# EDGAR Filing Document

**Accession Number:** 0002083697
**File Stem:** 0001104659-25-093739
**Filing Date:** 2025-9
**Character Count:** 5102916
**Document Hash:** 3a8ac19322045899441d8bbef8d669f9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-093739.hdr.sgml**: 20250926

**ACCESSION NUMBER**: 0001104659-25-093739

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

**PUBLIC DOCUMENT COUNT**: 61

**CONFORMED PERIOD OF REPORT**: 20250926

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

**FILED AS OF DATE**: 20250926

**DATE AS OF CHANGE**: 20250926

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor III, LLC
- **CENTRAL INDEX KEY:** 0002083697

**ORGANIZATION NAME:**
- **EIN:** 393805465
- **STATE OF INCORPORATION:** DC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07921
- **FILM NUMBER:** 251348733

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor III, LLC
- **CENTRAL INDEX KEY:** 0002083697

**ORGANIZATION NAME:**
- **EIN:** 393805465
- **STATE OF INCORPORATION:** DC
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor III, LLC
- **CENTRAL INDEX KEY:** 0002083697

**ORGANIZATION NAME:**
- **EIN:** 393805465
- **STATE OF INCORPORATION:** DC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07921

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036

**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) __________________________

Commission File Number of securitizer: __________________________

Central Index Key Number of securitizer: __________________________

  <br> Name and telephone number, including area code, of the person to <br> 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) ◻

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

Central Index Key Number of depositor: 0002083697

&nbsp;&nbsp;**Verus Securitization Trust 2025-9**

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

Central Index Key Number of issuing entity (if applicable): Not applicable

Central Index Key Number of underwriter (if applicable): Not applicable

---

| |
|:---|
| Robert Konigsberg |
| (202) 534-1815 |
| Name and telephone number, including area code, of the person to |
| contact in connection with this filing |

---

**PART I:** **REPRESENTATION AND WARRANTY INFORMATION**

**Item 1.01 Initial Filing of Rule 15Ga-1 Representations and Warranties Disclosure** 

N/A

**Item 1.02 Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure** 

N/A

**Item 1.03 Notice of Termination of Duty to File Reports under Rule 15Ga-1** 

N/A

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

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

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

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

N/A

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.1](tm2526594d1_ex99-1.htm) | [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm2526594d1_ex99-1.htm) |
| [99.2](tm2526594d1_ex99-2.htm) | [AMC Data Compare Report](tm2526594d1_ex99-2.htm) |
| [99.3](tm2526594d1_ex99-3.htm) | [AMC Exception Grades](tm2526594d1_ex99-3.htm) |
| [99.4](tm2526594d1_ex99-4.htm) | [AMC Rating Agency Grades](tm2526594d1_ex99-4.htm) |
| [99.5](tm2526594d1_ex99-5.htm) | [AMC QM-ATR Diligence Report](tm2526594d1_ex99-5.htm) |
| [99.6](tm2526594d1_ex99-6.htm) | [AMC Valuation Report](tm2526594d1_ex99-6.htm) |
| [99.7](tm2526594d1_ex99-7.htm) | [AMC Supplemental Data](tm2526594d1_ex99-7.htm) |
| [99.8](tm2526594d1_ex99-8.htm) | [AMC Tax and Title Report](tm2526594d1_ex99-8.htm) |
| [99.9](tm2526594d1_ex99-9.htm) | [Canopy Financial Technology Partners, LLC ("Canopy") Narrative](tm2526594d1_ex99-9.htm) |
| [99.10](tm2526594d1_ex99-10.htm) | [Canopy Exceptions Report](tm2526594d1_ex99-10.htm) |
| [99.11](tm2526594d1_ex99-11.htm) | [Canopy Rating Agency Grades](tm2526594d1_ex99-11.htm) |
| [99.12](tm2526594d1_ex99-12.htm) | [Canopy Data Compare](tm2526594d1_ex99-12.htm) |
| [99.13](tm2526594d1_ex99-13.htm) | [Canopy ATR QM Report](tm2526594d1_ex99-13.htm) |
| [99.14](tm2526594d1_ex99-14.htm) | [Canopy Valuation Report](tm2526594d1_ex99-14.htm) |
| [99.15](tm2526594d1_ex99-15.htm) | [Clarifii LLC ("Clarifii") Executive Summary](tm2526594d1_ex99-15.htm) |
| [99.16](tm2526594d1_ex99-16.htm) | [Clarifii Rating Agency Grades Detail Report](tm2526594d1_ex99-16.htm) |
| [99.17](tm2526594d1_ex99-17.htm) | [Clarifii Rating Agency Grades Summary Report](tm2526594d1_ex99-17.htm) |
| [99.18](tm2526594d1_ex99-18.htm) | [Clarifii Data Compare Report](tm2526594d1_ex99-18.htm) |
| [99.19](tm2526594d1_ex99-19.htm) | [Clarifii ATR QM Report](tm2526594d1_ex99-19.htm) |
| [99.20](tm2526594d1_ex99-20.htm) | [Clarifii Valuation Report](tm2526594d1_ex99-20.htm) |
| [99.21](tm2526594d1_ex99-21.htm) | [Clarifii Rating Agency Multi Property Valuation](tm2526594d1_ex99-21.htm) |
| [99.22](tm2526594d1_ex99-22.htm) | [Selene Diligence LLC ("Selene") Due Diligence Review Narrative](tm2526594d1_ex99-22.htm) |
| [99.23](tm2526594d1_ex99-23.htm) | [Selene Rating Agency Grades Detail Report](tm2526594d1_ex99-23.htm) |
| [99.24](tm2526594d1_ex99-24.htm) | [Selene Rating Agency Grades Report](tm2526594d1_ex99-24.htm) |
| [99.25](tm2526594d1_ex99-25.htm) | [Selene Data Compare Report](tm2526594d1_ex99-25.htm) |
| [99.26](tm2526594d1_ex99-26.htm) | [Selene ATR QM Detail](tm2526594d1_ex99-26.htm) |
| [99.27](tm2526594d1_ex99-27.htm) | [Selene Valuations Report](tm2526594d1_ex99-27.htm) |
| [99.28](tm2526594d1_ex99-28.htm) | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](tm2526594d1_ex99-28.htm) |
| [99.29](tm2526594d1_ex99-29.htm) | [Clayton Conditions Report](tm2526594d1_ex99-29.htm) |
| [99.30](tm2526594d1_ex99-30.htm) | [Clayton Loan Level Tape Compare Upload](tm2526594d1_ex99-30.htm) |
| [99.31](tm2526594d1_ex99-31.htm) | [Clayton Non ATR QM Upload](tm2526594d1_ex99-31.htm) |
| [99.32](tm2526594d1_ex99-32.htm) | [Clayton Rating Agency Grades Report](tm2526594d1_ex99-32.htm) |
| [99.33](tm2526594d1_ex99-33.htm) | [Clayton Valuations Summary](tm2526594d1_ex99-33.htm) |
| [99.34](tm2526594d1_ex99-34.htm) | [Clayton Cross Collateralized Multi-Property Report](tm2526594d1_ex99-34.htm) |
| [99.35](tm2526594d1_ex99-35.htm) | [Evolve Mortgage Services, LLC ("Evolve") Executive Summary](tm2526594d1_ex99-35.htm) |
| [99.36](tm2526594d1_ex99-36.htm) | [Evolve Exception Detail](tm2526594d1_ex99-36.htm) |
| [99.37](tm2526594d1_ex99-37.htm) | [Evolve Data Compare](tm2526594d1_ex99-37.htm) |
| [99.38](tm2526594d1_ex99-38.htm) | [Evolve QM ATR Data](tm2526594d1_ex99-38.htm) |
| [99.39](tm2526594d1_ex99-39.htm) | [Evolve Rating Agency Grades](tm2526594d1_ex99-39.htm) |
| [99.40](tm2526594d1_ex99-40.htm) | [Evolve Valuation Report](tm2526594d1_ex99-40.htm) |

---

**SIGNATURE**

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.

Date: September 26, 2025

---

| | | |
|:---|:---|:---|
| VMC ASSET DEPOSITOR III, LLC | VMC ASSET DEPOSITOR III, LLC | VMC ASSET DEPOSITOR III, LLC |
| By: | /s/ Danny Rosenberg | /s/ Danny Rosenberg |
|  | Name: | Danny Rosenberg |
|  | Title: | Chief Financial Officer |

---

## Exhibit 99.1

**EXHIBIT 99.1** 

**AMC Diligence, LLC ("AMC") Due Diligence Executive Summary**

![](tm2526594d1_ex99-1img001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC" or "SitusAMC") performed the due diligence services described below (the "Review") on residential Loans (as defined in (2) below) originated by multiple correspondent lenders and acquired directly (or indirectly through Delaware statutory trusts) on a flow or mini-bulk basis by VMC Asset Pooler, LLC, or its affiliates (the "Client") through mortgage loan files reviewed on behalf of such parties or with results conveyed from another party to the Client via reliance letter. The Review, which includes reliance letter Loans the time of an initial review performed for such party, was conducted from April 2025 through September 2025 on Loans with origination dates from April 2024 through August 2025 via files imaged and provided by the Client for review. The Review includes Loans that were reviewed both (i) directly for an affiliate of the Client and (ii) for correspondents with results conveyed to an affiliate of the Client by a reliance letter.

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

The final population of the Review contained four hundred thirty-six (436) Loans totaling an aggregate original principal balance of approximately $222.347 million (the "Loans").

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), Kroll Bond Rating Agency, LLC ("Kroll") and S&P Global Ratings ("S&P").

**(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 (please note that not all fields were available for all Loans during the Review) and relevant for the Scope in question, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;PMI Company |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;City | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Total Cash-out |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original Interest Rate |  |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Original Interest Rate Period |  |

---

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.

1 \| P a g e

![](tm2526594d1_ex99-1img001.jpg)

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

Of specific note, there were two hundred twenty (220) Loans where the income was verified, and a DTI was calculated within Credit and Compliance Scope. The Client's program allowed for income documentation to be provided via bank statements, CPA letters and P&Ls. Within this securitization, nine (9) Loans utilized twenty-four (24) or more months of bank statements, eighty-two (82) Loans utilized seven (7) through twenty-three (23) months of bank statements, and fifty-four (54) Loans utilized twelve (12) months of P&L income. There were five (5) Loans that were considered asset depletion loans. The rest of the Loans were underwritten to tax returns, W-2s, 1099s or traditional methods of documentation with twelve (12) Loans only having 12 months of income verification.

There were two hundred sixteen (216) Loans that were considered Business Purpose/Property Focused Investor Loans. All two hundred sixteen (216) Loans have a DSCR calculation.

**<u>CREDIT AND COMPLIANCE SCOPE:</u>**

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

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

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt-to-income ratio as appropriate.

**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.

2 \| P a g e

![](tm2526594d1_ex99-1img001.jpg)

**DU/LP Review:** When provided and appropriate, AMC verified that DU findings included an approved/ineligible decision where required by the guidelines. However, all Loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

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

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

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

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

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

**Additional Review of Mortgage Loan File:** AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area 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.

**<u>BUSINESS PURPOSE SCOPE</u>**

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. For this review, procedures followed included:

▪ Reviewing the provided Note, Mortgage/DOT,
 and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation.

▪ Examining appraisal reports, BPO's,
 and appraisal reviews to determine if the property type is consistent with underwritten property type and usage (such as evidence/an
 indication of either owner or tenant occupancy) and comparing this information against other relevant information contained within
 applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy.

▪ Reviewing environmental reporting, Flood
 Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements.

▪ Reviewing credit reporting, VOR/VOM, Background
 Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency
 with the Final Loan Approval worksheet.

▪ Reviewing HUD-1's, Title Search, Purchase
 Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC
 as well as adherence to credit policy requirements.

▪ Reviewing LOI/LOE(s) for presence of un-qualified
 statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address,
 and that signatory(s) are consistent with the identified borrower(s)/guarantor(s).

3 \| P a g e

![](tm2526594d1_ex99-1img001.jpg)

▪ Reviewing Final Form 1003/Loan application
 to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence
 for the Individual(s) is an address other than the subject property.

▪ Confirming, if applicable, business license(s)
 and P&L's are present, valid, and adhere to credit policy requirements.

▪ Confirming, if applicable, second mortgage
 documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements.

▪ Reviewing final loan approval worksheets
 for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with
 all other documentation contained in the review file.

▪ Reviewing the Certification of Business
 Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten
 Primary Residence address differs from the subject property address and is signed/dated as required.

▪ Verifying presence of a complete Certification
 of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty
 agreement, including the presence of either individual certifications or one certificate containing all required signatures.

▪ Comparing the Primary Residence address(es)
 listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity.

▪ Documenting any non-approved credit policy
 exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue.

▪ Gathering the components of the DSCR from
 source documentation provided in the loan file during the course of the review. Where applicable, AMC sums per the guidelines the
 principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number
 is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

Documents reviewed include the following items (\* = where applicable):

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Note | &nbsp;&nbsp;Business License\* | &nbsp;&nbsp;Flood certificates |
| &nbsp;&nbsp;Guaranty Agreement(s)\* | &nbsp;&nbsp;Business P&L's\* | &nbsp;&nbsp;Purchase agreement(s)\* |
| &nbsp;&nbsp;Deed of Trust / Mortgage | &nbsp;&nbsp;Verification of down payment funds/ funds to close / reserve funds\* | &nbsp;&nbsp;Final HUD-1 |
| &nbsp;&nbsp;Non-Owner-Occupancy & Business – Purpose Letter of Intent (LOI) / Letter of Explanation (LOE) | &nbsp;&nbsp;Appraisal Report | &nbsp;&nbsp;Title Search Documentation |
| &nbsp;&nbsp;Final Form 1003 / Loan Application(s) | &nbsp;&nbsp;Broker Price Opinion and market rent addendum\* | &nbsp;&nbsp;Evidence of Hazard / Liability / Flood Insurance coverage |
| &nbsp;&nbsp;Credit Report(s) | &nbsp;&nbsp;Appraisal Review documentation\* | &nbsp;&nbsp;Second mortgage documentation\* |
| &nbsp;&nbsp;Verification of Rent / Mortgage (VOR/VOM) payment history\* | &nbsp;&nbsp;Existing Leases\* | &nbsp;&nbsp;Certification(s) of Business purpose of loan |
| &nbsp;&nbsp;Identification / proof of residency status | &nbsp;&nbsp;Rent Roll\* | &nbsp;&nbsp;Certification(s) of Non-Owner Occupancy and Indemnity\* |
| &nbsp;&nbsp;Background check | &nbsp;&nbsp;Environmental reports |  |

---

**(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, (viii) 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.

4 \| P a g e

![](tm2526594d1_ex99-1img001.jpg)

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. 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.

5 \| P a g e

![](tm2526594d1_ex99-1img001.jpg)

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

6 \| P a g e

![](tm2526594d1_ex99-1img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

7 \| P a g e

![](tm2526594d1_ex99-1img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

8 \| P a g e

 

![](tm2526594d1_ex99-1img001.jpg)

 

*<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:

---

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

---

---

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

---

---

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

---

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

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

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

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

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

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

9 \| P a g e

![](tm2526594d1_ex99-1img001.jpg)

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

10 \| P a g e

![](tm2526594d1_ex99-1img001.jpg)

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

**<u>(8) Other: review and methodology.</u>**

**<u>Title Review</u>**

As requested by the Client, a title review was included in AMC's scope of review. To facilitate this review, the Client provided AMC with identifying data on the population of mortgage loans. Data provided by the client, included mortgage loan and servicer identification numbers as well as subject property address, borrower names, origination date, original mortgage loan amount for the subject mortgage and title policies from origination as it relates to the subject mortgage. Using the data provided, AMC ordered a current owner's title search on these mortgage loans through a service provider. Upon receipt and review of the current owner's title search results, AMC identified whether the subject mortgage was of record, whether any deed vesting concerns of substance were present, and whether the title search report revealed any liens and/or judgments which could affect the seniority of the subject mortgage, including potentially superior post origination liens and/or judgments such as Property Tax Liens, Municipal Liens, and Association Super Liens. AMC reviewed the title policies for all liens and/or judgments that were recorded before the recordation of the subject mortgage to determine if any identifiable liens and/or judgments were listed as an exception on schedule B of the applicable title policies.

11 \| P a g e

![](tm2526594d1_ex99-1img001.jpg)

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

**(9) Disclaimer.**

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

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions 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 in the Form ABS Due Diligence-15E, Kroll and S&P.

**OVERALL REVIEW RESULTS SUMMARY**

Of the four hundred thirty-six (436) Loans reviewed under the applicable Kroll grading criteria, four hundred thirty-five (435) Loans or (99.77%) received an overall "A" or "B" grade, and one (1) Loan (0.23%) received a "C" grade because of TRID/Compliance exceptions.

12 \| P a g e

![](tm2526594d1_ex99-1img001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Kroll Overall Loan Grades** | &nbsp;&nbsp;**Kroll Overall Loan Grades** | &nbsp;&nbsp;**Kroll Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;262 | &nbsp;&nbsp;60.09% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;173 | &nbsp;&nbsp;39.68% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.23% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**436** | &nbsp;&nbsp;**100.00%** |

---

Of the four hundred thirty-six (436) Loans reviewed under the applicable S&P grading criteria, four hundred thirty-five (435) Loans or (99.77%) received an overall "A" or "B" grade, and one (1) Loan (0.23%) received a "C" grade because of TRID/Compliance exceptions.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Overall Loan Grades** | &nbsp;&nbsp;**S&P Overall Loan Grades** | &nbsp;&nbsp;**S&P Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;261 | &nbsp;&nbsp;59.86% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;174 | &nbsp;&nbsp;39.91% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.23% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**436** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the two hundred twenty (220) Loans reviewed for compliance under the applicable Kroll grading criteria, two hundred nineteen (219) Loans or (99.55%) received an "A" or "B" compliance grade, and one (1) Loan (0.45%) received a "C" grade because of TRID/Compliance exceptions.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Kroll **Compliance Loan Grades** | &nbsp;&nbsp;Kroll **Compliance Loan Grades** | &nbsp;&nbsp;Kroll **Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;158 | &nbsp;&nbsp;71.82% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;61 | &nbsp;&nbsp;27.73% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**220** | &nbsp;&nbsp;**100.00%** |

---

Of the two hundred twenty (220) Loans reviewed for compliance under the applicable S&P grading criteria, two hundred nineteen (219) Loans or (99.55%) received an "A" or "B" compliance grade, and one (1) Loan (0.45%) received a "C" grade because of TRID/Compliance exceptions.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;S&P **Compliance Loan Grades** | &nbsp;&nbsp;S&P **Compliance Loan Grades** | &nbsp;&nbsp;S&P **Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;159 | &nbsp;&nbsp;72.27% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;60 | &nbsp;&nbsp;27.27% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**220** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

![](tm2526594d1_ex99-1img001.jpg)

**CREDIT RESULTS SUMMARY**

All four hundred thirty-six (436) Loans (100%) reviewed received an "A" or "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Kroll & S&P **Credit Loan Grades** | &nbsp;&nbsp;Kroll & S&P **Credit Loan Grades** | &nbsp;&nbsp;Kroll & S&P **Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;312 | &nbsp;&nbsp;71.56% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;124 | &nbsp;&nbsp;28.44% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**436** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All four hundred thirty-six (436) Loans (100%) reviewed under the applicable Kroll grading criteria, received an "A" or "B" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Kroll Property Loan Grades** | &nbsp;&nbsp;**Kroll Property Loan Grades** | &nbsp;&nbsp;**Kroll Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;432 | &nbsp;&nbsp;99.08% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.92% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**394** | &nbsp;&nbsp;**100.00%** |

---

All four hundred thirty-six (436) Loans (100%) reviewed under the applicable S&P's grading criteria, received an "A" or "B" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Property Loan Grades** | &nbsp;&nbsp;**S&P Property Loan Grades** | &nbsp;&nbsp;**S&P Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;426 | &nbsp;&nbsp;97.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.29% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**436** | &nbsp;&nbsp;**100.00%** |

---

14 \| P a g e

![](tm2526594d1_ex99-1img001.jpg)

**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").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**Kroll Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;56 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***114*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**115** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;85 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***150*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**150** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**269** |

---

15 \| P a g e

![](tm2526594d1_ex99-1img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**S&P Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;56 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***113*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**114** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;85 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***150*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**150** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp; ***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***10*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**10** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**274** |

---

16 \| P a g e

![](tm2526594d1_ex99-1img001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the four hundred thirty-six (436) Loans reviewed, three hundred ninety-two (392) unique Loans had one thousand two hundred fifty-one (1,251) different tape discrepancies across forty-one (41) data fields (some Loans had more than one data delta). The largest variances were found on Original HLTV, Cash From Borrower and Cash To Borrower where the data tape information did not coincide with the documentation type found in the loan file.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;6 | &nbsp;&nbsp;420 | &nbsp;&nbsp;1.43% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;27 | &nbsp;&nbsp;329 | &nbsp;&nbsp;8.21% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;430 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;49 | &nbsp;&nbsp;328 | &nbsp;&nbsp;14.94% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;9 | &nbsp;&nbsp;407 | &nbsp;&nbsp;2.21% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;19 | &nbsp;&nbsp;239 | &nbsp;&nbsp;7.95% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;106 | &nbsp;&nbsp;436 | &nbsp;&nbsp;24.31% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;5 | &nbsp;&nbsp;237 | &nbsp;&nbsp;2.11% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;173 | &nbsp;&nbsp;297 | &nbsp;&nbsp;58.25% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;114 | &nbsp;&nbsp;149 | &nbsp;&nbsp;76.51% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;9 | &nbsp;&nbsp;436 | &nbsp;&nbsp;2.06% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;8 | &nbsp;&nbsp;210 | &nbsp;&nbsp;3.81% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;124 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;45 | &nbsp;&nbsp;257 | &nbsp;&nbsp;17.51% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;5 | &nbsp;&nbsp;402 | &nbsp;&nbsp;1.24% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;1 | &nbsp;&nbsp;25 | &nbsp;&nbsp;4.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;6 | &nbsp;&nbsp;74 | &nbsp;&nbsp;8.11% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;73 | &nbsp;&nbsp;207 | &nbsp;&nbsp;35.27% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;415 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;108 | &nbsp;&nbsp;4.63% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;6 | &nbsp;&nbsp;8 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;65 | &nbsp;&nbsp;4.62% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;19 | &nbsp;&nbsp;84 | &nbsp;&nbsp;22.62% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;19 | &nbsp;&nbsp;21.05% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;434 | &nbsp;&nbsp;0.23% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;16 | &nbsp;&nbsp;381 | &nbsp;&nbsp;4.20% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;283 | &nbsp;&nbsp;295 | &nbsp;&nbsp;95.93% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;436 | &nbsp;&nbsp;0.46% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Original Interest Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;8 | &nbsp;&nbsp;435 | &nbsp;&nbsp;1.84% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;12 | &nbsp;&nbsp;405 | &nbsp;&nbsp;2.96% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;57 | &nbsp;&nbsp;3.51% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;407 | &nbsp;&nbsp;0.49% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;PMI Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;5 | &nbsp;&nbsp;149 | &nbsp;&nbsp;3.36% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;0 | &nbsp;&nbsp;295 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;91 | &nbsp;&nbsp;424 | &nbsp;&nbsp;21.46% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;434 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;9 | &nbsp;&nbsp;152 | &nbsp;&nbsp;5.92% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;40 | &nbsp;&nbsp;434 | &nbsp;&nbsp;9.22% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;436 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;36 | &nbsp;&nbsp;436 | &nbsp;&nbsp;8.26% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;33 | &nbsp;&nbsp;63 | &nbsp;&nbsp;52.38% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Total Cash-out | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;14 | &nbsp;&nbsp;436 | &nbsp;&nbsp;3.21% | &nbsp;&nbsp;436 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1251** | &nbsp;&nbsp;**11883** | &nbsp;&nbsp;**10.53%** | &nbsp;&nbsp;**436** |

---

17 \| P a g e

![](tm2526594d1_ex99-1img001.jpg)

**SitusAMC TITLE REVIEW SUMMARY (8 Mortgage Loan)**

As part of the due diligence services, the Client provided SitusAMC with identifying data on eight (8) Loans. Based on the scope of review set forth herein, the critical findings are summarized as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· There are no potential issues concerning
 origination deed vesting.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No unresolved Super Position HOA Liens recorded
 after the subject mortgage which were entitled to limited or full lien priority over the subject mortgage were identified.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No unresolved Municipal Liens which had
 limited or full lien priority over the subject mortgage were located.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No unresolved Property Tax Liens which had
 limited or full lien priority over the subject mortgage were located.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Except with respect to 1 Prior Lien across 1 mortgage loan file which was recorded prior to the subject mortgage, all Prior Liens identified
in our review have been resolved. With respect to the 1 remaining Prior Lien across 1 mortgage loan file, the mortgage loan file contained
a Title Policy on which there are no stated Title Policy exceptions which explicitly preclude coverage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All Prior Mortgages identified in our review
 have been resolved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· As to any Miscellaneous Items of substance,
 the items in this category typically defy standard categorization or summarization and are individually detailed.

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;424 | &nbsp;&nbsp;97.25% | &nbsp;&nbsp;$215057285.00 | &nbsp;&nbsp;96.72% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;12 | &nbsp;&nbsp;2.75% | &nbsp;&nbsp;$7289268.00 | &nbsp;&nbsp;3.28% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**436** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$222346553.00** | &nbsp;&nbsp;**100.00%** |

---

18 \| P a g e

![](tm2526594d1_ex99-1img001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;410 | &nbsp;&nbsp;94.04% | &nbsp;&nbsp;$216535444.00 | &nbsp;&nbsp;97.39% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;26 | &nbsp;&nbsp;5.96% | &nbsp;&nbsp;$5811109.00 | &nbsp;&nbsp;2.61% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**436** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$222346553.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;176 | &nbsp;&nbsp;40.37% | &nbsp;&nbsp;$80940551.00 | &nbsp;&nbsp;36.40% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;42 | &nbsp;&nbsp;9.63% | &nbsp;&nbsp;$20393347.00 | &nbsp;&nbsp;9.17% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;172 | &nbsp;&nbsp;39.45% | &nbsp;&nbsp;$95120839.00 | &nbsp;&nbsp;42.78% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;46 | &nbsp;&nbsp;10.55% | &nbsp;&nbsp;$25891816.00 | &nbsp;&nbsp;11.64% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**436** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$222346553.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.92% | &nbsp;&nbsp;$823250.00 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.23% | &nbsp;&nbsp;$397500.00 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;430 | &nbsp;&nbsp;98.62% | &nbsp;&nbsp;$220768053.00 | &nbsp;&nbsp;99.29% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.23% | &nbsp;&nbsp;$357750.00 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**436** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$222346553.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;228 | &nbsp;&nbsp;52.29% | &nbsp;&nbsp;$117060459.00 | &nbsp;&nbsp;52.65% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;33 | &nbsp;&nbsp;7.57% | &nbsp;&nbsp;$14249650.00 | &nbsp;&nbsp;6.41% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;12 | &nbsp;&nbsp;2.75% | &nbsp;&nbsp;$7928292.00 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Condotel | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.92% | &nbsp;&nbsp;$1232230.00 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;92 | &nbsp;&nbsp;21.10% | &nbsp;&nbsp;$46874901.00 | &nbsp;&nbsp;21.08% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;11 | &nbsp;&nbsp;2.52% | &nbsp;&nbsp;$2766215.00 | &nbsp;&nbsp;1.24% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;32 | &nbsp;&nbsp;7.34% | &nbsp;&nbsp;$15885820.00 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.83% | &nbsp;&nbsp;$5707574.00 | &nbsp;&nbsp;2.57% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;14 | &nbsp;&nbsp;3.21% | &nbsp;&nbsp;$9628900.00 | &nbsp;&nbsp;4.33% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.23% | &nbsp;&nbsp;$400012.00 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.23% | &nbsp;&nbsp;$612500.00 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**436** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$222346553.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;154 | &nbsp;&nbsp;35.32% | &nbsp;&nbsp;$100340833.00 | &nbsp;&nbsp;45.13% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;276 | &nbsp;&nbsp;63.30% | &nbsp;&nbsp;$118708720.00 | &nbsp;&nbsp;53.39% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.38% | &nbsp;&nbsp;$3297000.00 | &nbsp;&nbsp;1.48% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**436** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$222346553.00** | &nbsp;&nbsp;**100.00%** |

---

19 \| P a g e

## Exhibit 99.2

**EXHIBIT 99.2**

**AMC Data Compare REPORT**

![](tm25265941d1_ex99-2img001.jpg)

**Data Compare** 

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| xxxxxx | 819494 | xxxxxx | Street | TBD | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 819494 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 819494 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 819494 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 819494 | xxxxxx | Cash From Borrower | 0.00 | 176549.40 | Verified | Field value reflects source document |
| xxxxxx | 819494 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.85 | 32.909 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 819494 | xxxxxx | Original HLTV | 0 | 79.9968 | Verified | Field value reflects source document |
| xxxxxx | 824589 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 824589 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 824589 | xxxxxx | Representative FICO | 726 | 708 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 824589 | xxxxxx | Cash To Borrower | 162500.00 | 98208.47 | Verified | Field value reflects source document |
| xxxxxx | 824589 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 832071 | xxxxxx | Cash To Borrower | 300000.00 | 299748.65 | Verified | Field value reflects source document |
| xxxxxx | 832071 | xxxxxx | Original HLTV | 0 | 56.10619 | Verified | Field value reflects source document |
| xxxxxx | 833050 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 833050 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 833050 | xxxxxx | Cash To Borrower | 232862.00 | 162841.02 | Verified | Field value reflects source document |
| xxxxxx | 833050 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.2 | 39.2259 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 833050 | xxxxxx | Original HLTV | 0 | 53.1011 | Verified | Field value reflects source document |
| xxxxxx | 833112 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833112 | xxxxxx | Cash To Borrower | 150908.19 | 149828.35 | Verified | Field value reflects source document |
| xxxxxx | 833112 | xxxxxx | Original HLTV | 0 | 43.75 | Verified | Field value reflects source document |
| xxxxxx | 833599 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 833599 | xxxxxx | Cash To Borrower | 227241.00 | 207082.41 | Verified | Field value reflects source document |
| xxxxxx | 833599 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30.715 | 34.66309 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 833599 | xxxxxx | Original HLTV | 0 | 27.74615 | Verified | Field value reflects source document |
| xxxxxx | 833758 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 833758 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833758 | xxxxxx | Cash From Borrower | 0.00 | 3774.84 | Verified | Field value reflects source document |
| xxxxxx | 833758 | xxxxxx | Original HLTV | 0 | 60.86526 | Verified | Field value reflects source document |
| xxxxxx | 833823 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 833823 | xxxxxx | Representative FICO | 732 | 759 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 833823 | xxxxxx | Cash From Borrower | 0.00 | 788.67 | Verified | Field value reflects source document |
| xxxxxx | 833823 | xxxxxx | Original HLTV | 0 | 47.04545 | Verified | Field value reflects source document |
| xxxxxx | 834391 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 834391 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 834391 | xxxxxx | Cash From Borrower | 0.00 | 320347.90 | Verified | Field value reflects source document |
| xxxxxx | 834391 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 834783 | xxxxxx | Cash To Borrower | 232591.06 | 222138.97 | Verified | Field value reflects source document |
| xxxxxx | 834783 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 834808 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834808 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 834808 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 834808 | xxxxxx | Cash From Borrower | 0.00 | 91.60 | Verified | Field value reflects source document |
| xxxxxx | 834808 | xxxxxx | Original HLTV | 0 | 68.82222 | Verified | Field value reflects source document |
| xxxxxx | 834909 | xxxxxx | Cash To Borrower | 101347.43 | 155155.05 | Verified | Field value reflects source document |
| xxxxxx | 834909 | xxxxxx | Original HLTV | 0 | 57.93478 | Verified | Field value reflects source document |
| xxxxxx | 835209 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 835209 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 835209 | xxxxxx | Cash To Borrower | 719885.01 | 923499.88 | Verified | Field value reflects source document |
| xxxxxx | 835209 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835272 | xxxxxx | Cash To Borrower | 106924.50 | 107205.38 | Verified | Field value reflects source document |
| xxxxxx | 835272 | xxxxxx | Investor: Qualifying Total Debt Ratio | 29.496 | 19.08536 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835272 | xxxxxx | Original HLTV | 0 | 19.78799 | Verified | Field value reflects source document |
| xxxxxx | 835350 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 835350 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 835350 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 835350 | xxxxxx | Cash From Borrower | 0.00 | 88051.39 | Verified | Field value reflects source document |
| xxxxxx | 835350 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 835391 | xxxxxx | Cash To Borrower | 493485.00 | 488689.46 | Verified | Field value reflects source document |
| xxxxxx | 835391 | xxxxxx | Original CLTV | 60.97733 | 59.71498 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 835391 | xxxxxx | Original HLTV | 0 | 31.74603 | Verified | Field value reflects source document |
| xxxxxx | 835609 | xxxxxx | Cash To Borrower | 338000.00 | 262605.24 | Verified | Field value reflects source document |
| xxxxxx | 835609 | xxxxxx | Investor: Qualifying Total Debt Ratio | 8.6 | 35.09197 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835609 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835627 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 835627 | xxxxxx | Cash To Borrower | 217800.00 | 156009.88 | Verified | Field value reflects source document |
| xxxxxx | 835627 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 835683 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835683 | xxxxxx | Cash From Borrower | 0.00 | 267375.03 | Verified | Field value reflects source document |
| xxxxxx | 835683 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835825 | xxxxxx | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836013 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836013 | xxxxxx | Cash From Borrower | 0.00 | 174457.14 | Verified | Field value reflects source document |
| xxxxxx | 836013 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836025 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 836025 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836025 | xxxxxx | Representative FICO | 783 | 793 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 836025 | xxxxxx | Cash From Borrower | 0.00 | 246777.11 | Verified | Field value reflects source document |
| xxxxxx | 836025 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 836235 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836235 | xxxxxx | Cash To Borrower | 690000.00 | 673812.87 | Verified | Field value reflects source document |
| xxxxxx | 836235 | xxxxxx | Original HLTV | 0 | 59.74026 | Verified | Field value reflects source document |
| xxxxxx | 836332 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836332 | xxxxxx | Cash To Borrower | 1000000.00 | 460299.70 | Verified | Field value reflects source document |
| xxxxxx | 836332 | xxxxxx | Original HLTV | 0 | 28.57143 | Verified | Field value reflects source document |
| xxxxxx | 836803 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 836803 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 836803 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836803 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836803 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836803 | xxxxxx | Cash From Borrower | 0.00 | 62696.90 | Verified | Field value reflects source document |
| xxxxxx | 836803 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 836884 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836884 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836884 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836884 | xxxxxx | Cash From Borrower | 0.00 | 14288.86 | Verified | Field value reflects source document |
| xxxxxx | 836884 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 836884 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 837013 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837013 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 837013 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 837013 | xxxxxx | Cash To Borrower | 23000.00 | 5617.95 | Verified | Field value reflects source document |
| xxxxxx | 837013 | xxxxxx | Original CLTV | 58.41538 | 56.15385 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 837013 | xxxxxx | Original LTV | 58.41538 | 56.15385 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 837013 | xxxxxx | Original HLTV | 0 | 56.15385 | Verified | Field value reflects source document |
| xxxxxx | 837079 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837079 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837079 | xxxxxx | Cash To Borrower | 100299.00 | 131929.55 | Verified | Field value reflects source document |
| xxxxxx | 837079 | xxxxxx | Original HLTV | 0 | 37.90123 | Verified | Field value reflects source document |
| xxxxxx | 837106 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837106 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837106 | xxxxxx | Amortization Term | 360 | 480 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 837106 | xxxxxx | Cash From Borrower | 0.00 | 133735.85 | Verified | Field value reflects source document |
| xxxxxx | 837106 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 837112 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837112 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837112 | xxxxxx | Cash From Borrower | 0.00 | 44657.48 | Verified | Field value reflects source document |
| xxxxxx | 837112 | xxxxxx | Original HLTV | 0 | 79.875 | Verified | Field value reflects source document |
| xxxxxx | 837117 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837117 | xxxxxx | Cash To Borrower | 159241.72 | 157637.42 | Verified | Field value reflects source document |
| xxxxxx | 837117 | xxxxxx | Original HLTV | 0 | 28.23529 | Verified | Field value reflects source document |
| xxxxxx | 837120 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837120 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837120 | xxxxxx | Cash To Borrower | 320000.00 | 236420.06 | Verified | Field value reflects source document |
| xxxxxx | 837120 | xxxxxx | Original CLTV | 67.63612 | 54.05405 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 837120 | xxxxxx | Original LTV | 67.63612 | 54.05405 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 837120 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 837120 | xxxxxx | Original HLTV | 0 | 54.05405 | Verified | Field value reflects source document |
| xxxxxx | 837181 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837181 | xxxxxx | Cash To Borrower | 170278.10 | 160650.44 | Verified | Field value reflects source document |
| xxxxxx | 837181 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837299 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837299 | xxxxxx | Cash From Borrower | 0.00 | 13464.80 | Verified | Field value reflects source document |
| xxxxxx | 837299 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837299 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 837303 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837303 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837303 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837303 | xxxxxx | Cash From Borrower | 0.00 | 9105.01 | Verified | Field value reflects source document |
| xxxxxx | 837303 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837303 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 837312 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837312 | xxxxxx | Cash To Borrower | 0.00 | 25730.64 | Verified | Field value reflects source document |
| xxxxxx | 837312 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837314 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837314 | xxxxxx | Cash From Borrower | 0.00 | 7733.25 | Verified | Field value reflects source document |
| xxxxxx | 837314 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837314 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 837382 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837382 | xxxxxx | Cash To Borrower | 0.00 | 21605.28 | Verified | Field value reflects source document |
| xxxxxx | 837382 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837529 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837529 | xxxxxx | Cash From Borrower | 0.00 | 107498.42 | Verified | Field value reflects source document |
| xxxxxx | 837529 | xxxxxx | Original HLTV | 0 | 69.99981 | Verified | Field value reflects source document |
| xxxxxx | 837536 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837536 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837536 | xxxxxx | Cash To Borrower | 58500.00 | 124611.16 | Verified | Field value reflects source document |
| xxxxxx | 837536 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837613 | xxxxxx | Cash To Borrower | 212534.00 | 210647.92 | Verified | Field value reflects source document |
| xxxxxx | 837613 | xxxxxx | Original HLTV | 0 | 49.4382 | Verified | Field value reflects source document |
| xxxxxx | 837614 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837614 | xxxxxx | Cash From Borrower | 0.00 | 406.22 | Verified | Field value reflects source document |
| xxxxxx | 837614 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 837640 | xxxxxx | Cash To Borrower | 76931.00 | 69655.21 | Verified | Field value reflects source document |
| xxxxxx | 837640 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837649 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837649 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 837649 | xxxxxx | Cash To Borrower | 43849.00 | 31420.89 | Verified | Field value reflects source document |
| xxxxxx | 837649 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837872 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837872 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837872 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837872 | xxxxxx | Cash From Borrower | 0.00 | 571037.22 | Verified | Field value reflects source document |
| xxxxxx | 837872 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838044 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838044 | xxxxxx | Representative FICO | 716 | 761 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| xxxxxx | 838044 | xxxxxx | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838044 | xxxxxx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 838044 | xxxxxx | Cash From Borrower | 65852.73 | 66602.73 | Verified | Field value reflects source document |
| xxxxxx | 838070 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838070 | xxxxxx | Cash From Borrower | 0.00 | 284628.68 | Verified | Field value reflects source document |
| xxxxxx | 838070 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838080 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 838080 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838080 | xxxxxx | Cash From Borrower | 0.00 | 2818.84 | Verified | Field value reflects source document |
| xxxxxx | 838080 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838112 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 838112 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838177 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838177 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 838177 | xxxxxx | Cash To Borrower | 65000.00 | 108625.32 | Verified | Field value reflects source document |
| xxxxxx | 838177 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838232 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838232 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838232 | xxxxxx | Cash To Borrower | 229157.00 | 235183.42 | Verified | Field value reflects source document |
| xxxxxx | 838232 | xxxxxx | Original HLTV | 0 | 15.625 | Verified | Field value reflects source document |
| xxxxxx | 838246 | xxxxxx | Cash To Borrower | 122556.00 | 164608.66 | Verified | Field value reflects source document |
| xxxxxx | 838246 | xxxxxx | Original HLTV | 0 | 36.2963 | Verified | Field value reflects source document |
| xxxxxx | 838295 | xxxxxx | Cash To Borrower | 94178.00 | 84371.86 | Verified | Field value reflects source document |
| xxxxxx | 838295 | xxxxxx | Original HLTV | 0 | 28.57143 | Verified | Field value reflects source document |
| xxxxxx | 838324 | xxxxxx | Representative FICO | 762 | 773 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838324 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838324 | xxxxxx | Cash From Borrower | 0.00 | 102037.81 | Verified | Field value reflects source document |
| xxxxxx | 838324 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838333 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 838333 | xxxxxx | Representative FICO | 724 | 808 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838333 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838333 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838333 | xxxxxx | Cash From Borrower | 0.00 | 155346.54 | Verified | Field value reflects source document |
| xxxxxx | 838333 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838357 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 838357 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838357 | xxxxxx | Cash From Borrower | 0.00 | 159375.00 | Verified | Field value reflects source document |
| xxxxxx | 838357 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838371 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838371 | xxxxxx | Cash From Borrower | 0.00 | 140001.46 | Verified | Field value reflects source document |
| xxxxxx | 838371 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838384 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838384 | xxxxxx | Representative FICO | 732 | 759 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838384 | xxxxxx | Cash From Borrower | 0.00 | 869.09 | Verified | Field value reflects source document |
| xxxxxx | 838384 | xxxxxx | Original HLTV | 0 | 45.2381 | Verified | Field value reflects source document |
| xxxxxx | 838433 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838433 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838433 | xxxxxx | Cash To Borrower | 89000.00 | 84446.26 | Verified | Field value reflects source document |
| xxxxxx | 838433 | xxxxxx | Original HLTV | 0 | 64.51613 | Verified | Field value reflects source document |
| xxxxxx | 838664 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 838664 | xxxxxx | Representative FICO | 749 | 780 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838664 | xxxxxx | Cash To Borrower | 133157.55 | 133534.86 | Verified | Field value reflects source document |
| xxxxxx | 838668 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 838668 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 838668 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838668 | xxxxxx | Cash From Borrower | 0.00 | 93873.12 | Verified | Field value reflects source document |
| xxxxxx | 838668 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838697 | xxxxxx | Cash From Borrower | 0.00 | 61338.71 | Verified | Field value reflects source document |
| xxxxxx | 838697 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838763 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838763 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 838763 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838763 | xxxxxx | Cash From Borrower | 0.00 | 30987.41 | Verified | Field value reflects source document |
| xxxxxx | 838763 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 838774 | xxxxxx | Representative FICO | 681 | 690 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838774 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838774 | xxxxxx | Cash From Borrower | 0.00 | 89885.35 | Verified | Field value reflects source document |
| xxxxxx | 838774 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 838779 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838779 | xxxxxx | Cash To Borrower | 184910.00 | 186614.83 | Verified | Field value reflects source document |
| xxxxxx | 838779 | xxxxxx | Original HLTV | 0 | 21.73913 | Verified | Field value reflects source document |
| xxxxxx | 838795 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838795 | xxxxxx | Representative FICO | 689 | 759 | Verified | Per guidelines, highest of the middle FICO amongst all guarantors. |
| xxxxxx | 838795 | xxxxxx | Prepayment Penalty Period (months) |  | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 838852 | xxxxxx | Cash From Borrower | 0.00 | 62065.87 | Verified | Field value reflects source document |
| xxxxxx | 838852 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 838942 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838942 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838942 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 838942 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 838942 | xxxxxx | Cash From Borrower | 0.00 | 226242.30 | Verified | Field value reflects source document |
| xxxxxx | 838942 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839353 | xxxxxx | Cash From Borrower | 0.00 | 189.28 | Verified | Field value reflects source document |
| xxxxxx | 839353 | xxxxxx | Original HLTV | 0 | 58.78788 | Verified | Field value reflects source document |
| xxxxxx | 839354 | xxxxxx | Cash To Borrower | 614600.00 | 592068.41 | Verified | Field value reflects source document |
| xxxxxx | 839354 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 839359 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839359 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 839359 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 839359 | xxxxxx | Representative FICO | 710 | 788 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 839359 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 839359 | xxxxxx | Original CLTV | 80 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 839359 | xxxxxx | Original LTV | 80 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 839359 | xxxxxx | Cash From Borrower | 0.00 | 52112.15 | Verified | Field value reflects source document |
| xxxxxx | 839359 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839360 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 839360 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 839360 | xxxxxx | Prepayment Penalty Period (months) | 60 | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 839360 | xxxxxx | Cash From Borrower | 0.00 | 47585.93 | Verified | Field value reflects source document |
| xxxxxx | 839360 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 839442 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 839442 | xxxxxx | Representative FICO | 781 | 786 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 839442 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 839442 | xxxxxx | Cash To Borrower | 0.00 | 42205.18 | Verified | Field value reflects source document |
| xxxxxx | 839442 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 839442 | xxxxxx | Original HLTV | 0 | 19.77872 | Verified | Field value reflects source document |
| xxxxxx | 839450 | xxxxxx | Representative FICO | 685 | 687 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 839450 | xxxxxx | Cash To Borrower | 100000.00 | 339.82 | Verified | Field value reflects source document |
| xxxxxx | 839450 | xxxxxx | Original HLTV | 0 | 15.50388 | Verified | Field value reflects source document |
| xxxxxx | 839477 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839477 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 839477 | xxxxxx | Representative FICO | 734 | 768 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 839477 | xxxxxx | Cash From Borrower | 0.00 | 13468.59 | Verified | Field value reflects source document |
| xxxxxx | 839477 | xxxxxx | Original HLTV | 0 | 55.45455 | Verified | Field value reflects source document |
| xxxxxx | 839528 | xxxxxx | Cash From Borrower | 0.00 | 99292.42 | Verified | Field value reflects source document |
| xxxxxx | 839528 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839531 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839531 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 839531 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839531 | xxxxxx | Cash To Borrower | 21802.00 | 104394.96 | Verified | Field value reflects source document |
| xxxxxx | 839531 | xxxxxx | Original HLTV | 0 | 54.7619 | Verified | Field value reflects source document |
| xxxxxx | 839533 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 839533 | xxxxxx | Cash From Borrower | 0.00 | 272653.04 | Verified | Field value reflects source document |
| xxxxxx | 839533 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43 | 32.33089 | Verified | Lender used lower income than was provided in file. 1008 was approved with 37.48%. |
| xxxxxx | 839533 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839556 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839556 | xxxxxx | Cash To Borrower | 50000.00 | 175029.26 | Verified | Field value reflects source document |
| xxxxxx | 839556 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 839563 | xxxxxx | Cash To Borrower | 148000.00 | 148604.17 | Verified | Field value reflects source document |
| xxxxxx | 839563 | xxxxxx | Original HLTV | 0 | 47.79874 | Verified | Field value reflects source document |
| xxxxxx | 839578 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 839578 | xxxxxx | Original CLTV | 44.24779 | 43.18584 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 839578 | xxxxxx | Original LTV | 44.24779 | 43.18584 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 839578 | xxxxxx | Cash From Borrower | 0.00 | 684284.35 | Verified | Field value reflects source document |
| xxxxxx | 839578 | xxxxxx | Original HLTV | 0 | 43.18584 | Verified | Field value reflects source document |
| xxxxxx | 839617 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 839617 | xxxxxx | Cash From Borrower | 0.00 | 80050.34 | Verified | Field value reflects source document |
| xxxxxx | 839617 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839631 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 839631 | xxxxxx | Cash From Borrower | 0.00 | 129096.05 | Verified | Field value reflects source document |
| xxxxxx | 839631 | xxxxxx | Original HLTV | 0 | 79.93199 | Verified | Field value reflects source document |
| xxxxxx | 839632 | xxxxxx | Cash To Borrower | 412421.55 | 410372.74 | Verified | Field value reflects source document |
| xxxxxx | 839632 | xxxxxx | Original HLTV | 0 | 68.54839 | Verified | Field value reflects source document |
| xxxxxx | 839636 | xxxxxx | Cash From Borrower | 0.00 | 64674.16 | Verified | Field value reflects source document |
| xxxxxx | 839636 | xxxxxx | Investor: Qualifying Total Debt Ratio | 20.137 | 14.67891 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839636 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 839637 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 839637 | xxxxxx | Cash From Borrower | 0.00 | 6259.74 | Verified | Field value reflects source document |
| xxxxxx | 839637 | xxxxxx | Original HLTV | 0 | 43.68421 | Verified | Field value reflects source document |
| xxxxxx | 839647 | xxxxxx | Cash To Borrower | 110000.00 | 115787.42 | Verified | Field value reflects source document |
| xxxxxx | 839647 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 839647 | xxxxxx | Original HLTV | 0 | 28.4407 | Verified | Field value reflects source document |
| xxxxxx | 839670 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839670 | xxxxxx | Cash From Borrower | 0.00 | 19911.91 | Verified | Field value reflects source document |
| xxxxxx | 839670 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839679 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839679 | xxxxxx | Cash From Borrower | 0.00 | 114359.40 | Verified | Field value reflects source document |
| xxxxxx | 839679 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.815 | 33.25545 | Verified | 1008 was approved with 28.177%. |
| xxxxxx | 839679 | xxxxxx | Original HLTV | 0 | 89.89997 | Verified | Field value reflects source document |
| xxxxxx | 839767 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 839767 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 839767 | xxxxxx | Cash From Borrower | 0.00 | 247014.17 | Verified | Field value reflects source document |
| xxxxxx | 839767 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 839772 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839772 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839772 | xxxxxx | Cash From Borrower | 0.00 | 172008.96 | Verified | Field value reflects source document |
| xxxxxx | 839772 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 839780 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 839780 | xxxxxx | Cash To Borrower | 121447.80 | 102746.40 | Verified | Field value reflects source document |
| xxxxxx | 839780 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 839782 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839782 | xxxxxx | Cash From Borrower | 0.00 | 43149.82 | Verified | Field value reflects source document |
| xxxxxx | 839782 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45 | 38.85318 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839782 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 839800 | xxxxxx | Cash From Borrower | 0.00 | 106226.26 | Verified | Field value reflects source document |
| xxxxxx | 839800 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 839803 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839803 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 839803 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 839803 | xxxxxx | Cash From Borrower | 0.00 | 27762.63 | Verified | Field value reflects source document |
| xxxxxx | 839803 | xxxxxx | Original HLTV | 0 | 54.29333 | Verified | Field value reflects source document |
| xxxxxx | 839804 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839804 | xxxxxx | Cash To Borrower | 180000.00 | 172990.47 | Verified | Field value reflects source document |
| xxxxxx | 839804 | xxxxxx | Original HLTV | 0 | 72 | Verified | Field value reflects source document |
| xxxxxx | 839805 | xxxxxx | Cash To Borrower | 143250.00 | 130424.75 | Verified | Field value reflects source document |
| xxxxxx | 839805 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.71 | 43.65307 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839805 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839808 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 839808 | xxxxxx | Cash To Borrower | 150000.00 | 141416.73 | Verified | Field value reflects source document |
| xxxxxx | 839808 | xxxxxx | Original HLTV | 0 | 68.18182 | Verified | Field value reflects source document |
| xxxxxx | 839841 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839841 | xxxxxx | Cash To Borrower | 357886.48 | 350798.91 | Verified | Field value reflects source document |
| xxxxxx | 839841 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839856 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839856 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 839856 | xxxxxx | Cash From Borrower | 0.00 | 58696.24 | Verified | Field value reflects source document |
| xxxxxx | 839856 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 839876 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839876 | xxxxxx | Representative FICO | 777 | 787 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 839876 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839876 | xxxxxx | Cash From Borrower | 0.00 | 154653.45 | Verified | Field value reflects source document |
| xxxxxx | 839876 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 839879 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839879 | xxxxxx | Cash From Borrower | 0.00 | 201926.78 | Verified | Field value reflects source document |
| xxxxxx | 839879 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 839971 | xxxxxx | Original Interest Rate | 7.625 | 7.5 | Verified | Field Value reflects the Note value |
| xxxxxx | 839971 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 839971 | xxxxxx | Cash From Borrower | 0.00 | 291133.27 | Verified | Field value reflects source document |
| xxxxxx | 839971 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.63 | 41.42303 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839971 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839989 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 839989 | xxxxxx | Cash To Borrower | 211274.64 | 181713.12 | Verified | Field value reflects source document |
| xxxxxx | 839989 | xxxxxx | Original HLTV | 0 | 69.7561 | Verified | Field value reflects source document |
| xxxxxx | 840002 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840002 | xxxxxx | Cash From Borrower | 0.00 | 285045.12 | Verified | Field value reflects source document |
| xxxxxx | 840002 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 840017 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 840017 | xxxxxx | Cash From Borrower | 0.00 | 86249.69 | Verified | Field value reflects source document |
| xxxxxx | 840017 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840025 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840025 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 840025 | xxxxxx | Cash From Borrower | 0.00 | 63578.02 | Verified | Field value reflects source document |
| xxxxxx | 840025 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 840067 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 840067 | xxxxxx | Cash To Borrower | 106951.00 | 83797.33 | Verified | Field value reflects source document |
| xxxxxx | 840067 | xxxxxx | Investor: Qualifying Total Debt Ratio | 31.09 | 43.32966 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840067 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 840145 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840145 | xxxxxx | Cash From Borrower | 0.00 | 111855.10 | Verified | Field value reflects source document |
| xxxxxx | 840145 | xxxxxx | Original HLTV | 0 | 68.80413 | Verified | Field value reflects source document |
| xxxxxx | 840157 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840157 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 840157 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 840157 | xxxxxx | Cash From Borrower | 0.00 | 225053.06 | Verified | Field value reflects source document |
| xxxxxx | 840157 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 840226 | xxxxxx | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840226 | xxxxxx | # of Units | 1 | 4 | Verified | Field value reflects source document |
| xxxxxx | 840226 | xxxxxx | Borrower FTHB |  | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 840226 | xxxxxx | Cash From Borrower | 0.00 | 118291.57 | Verified | Field value reflects source document |
| xxxxxx | 840226 | xxxxxx | Investor: Qualifying Total Debt Ratio | 54.43 | 51.08624 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840226 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840227 | xxxxxx | Property Type |  | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840227 | xxxxxx | Borrower FTHB |  | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 840227 | xxxxxx | Cash From Borrower | 0.00 | 79607.12 | Verified | Field value reflects source document |
| xxxxxx | 840227 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 840229 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 840229 | xxxxxx | Borrower First Name |  | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840229 | xxxxxx | Borrower SSN |  | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 840229 | xxxxxx | Original P&I |  | 1014.27 | Verified | Field Value reflects Note value |
| xxxxxx | 840229 | xxxxxx | Representative FICO | 739 | 758 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 840229 | xxxxxx | Cash To Borrower | 0.00 | 96949.92 | Verified | Field value reflects source document |
| xxxxxx | 840229 | xxxxxx | Original CLTV | 89.9678 | 71.99545 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 840229 | xxxxxx | Appraisal Effective Date |  | 2024-09-06 | Verified | Tape Value reflects Appraisal Date |
| xxxxxx | 840229 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.326 | 39.20476 | Verified | Due to miscalculation of 1st mtg |
| xxxxxx | 840229 | xxxxxx | Original HLTV | 0 | 18.34862 | Verified | Field value reflects source document |
| xxxxxx | 840230 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 840230 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840230 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 840230 | xxxxxx | Cash To Borrower | 950000.00 | 981182.35 | Verified | Field value reflects source document |
| xxxxxx | 840230 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41 | 38.95882 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840230 | xxxxxx | Original HLTV | 0 | 36.10108 | Verified | Field value reflects source document |
| xxxxxx | 840238 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840238 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 840238 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 840238 | xxxxxx | Original CLTV | 73.8255 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 840238 | xxxxxx | Original LTV | 73.8255 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 840238 | xxxxxx | Cash From Borrower | 0.00 | 2653.96 | Verified | Field value reflects source document |
| xxxxxx | 840238 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 840274 | xxxxxx | Cash From Borrower | 0.00 | 276.20 | Verified | Field value reflects source document |
| xxxxxx | 840274 | xxxxxx | Original HLTV | 0 | 69.93569 | Verified | Field value reflects source document |
| xxxxxx | 840305 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 840305 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840305 | xxxxxx | Cash From Borrower | 0.00 | 241188.97 | Verified | Field value reflects source document |
| xxxxxx | 840305 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 840307 | xxxxxx | Cash From Borrower | 0.00 | 291371.61 | Verified | Field value reflects source document |
| xxxxxx | 840307 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 840313 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840313 | xxxxxx | Cash To Borrower | 78354.47 | 65315.70 | Verified | Field value reflects source document |
| xxxxxx | 840313 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.88 | 38.29142 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840313 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 840316 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | < 2,000 cash back, seasoned first lien |
| xxxxxx | 840316 | xxxxxx | Cash From Borrower | 0.00 | 936.25 | Verified | Field value reflects source document |
| xxxxxx | 840316 | xxxxxx | Investor: Qualifying Total Debt Ratio | 36 | 46.031 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840316 | xxxxxx | Original HLTV | 0 | 74.89565 | Verified | Field value reflects source document |
| xxxxxx | 840320 | xxxxxx | Cash To Borrower | 50000.00 | 111312.06 | Verified | Field value reflects source document |
| xxxxxx | 840320 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 840320 | xxxxxx | Borrower SSN | xxxxxx |  | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 840332 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840332 | xxxxxx | Cash From Borrower | 0.00 | 68954.51 | Verified | Field value reflects source document |
| xxxxxx | 840332 | xxxxxx | Original HLTV | 0 | 61.9195 | Verified | Field value reflects source document |
| xxxxxx | 840340 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840340 | xxxxxx | Cash From Borrower | 0.00 | 74201.29 | Verified | Field value reflects source document |
| xxxxxx | 840340 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 840341 | xxxxxx | Cash From Borrower | 0.00 | 157900.60 | Verified | Field value reflects source document |
| xxxxxx | 840341 | xxxxxx | Investor: Qualifying Total Debt Ratio | 25.7 | 28.44405 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840341 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840344 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840344 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 840344 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 840344 | xxxxxx | Cash From Borrower | 0.00 | 2401220.16 | Verified | Field value reflects source document |
| xxxxxx | 840344 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38 | 30.64891 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840344 | xxxxxx | Original HLTV | 0 | 22.0339 | Verified | Field value reflects source document |
| xxxxxx | 840346 | xxxxxx | Cash To Borrower | 350000.00 | 338275.46 | Verified | Field value reflects source document |
| xxxxxx | 840346 | xxxxxx | Original HLTV | 0 | 38.88889 | Verified | Field value reflects source document |
| xxxxxx | 840400 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840400 | xxxxxx | Cash From Borrower | 0.00 | 16421.85 | Verified | Field value reflects source document |
| xxxxxx | 840400 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 840401 | xxxxxx | Cash From Borrower | 0.00 | 71461.55 | Verified | Field value reflects source document |
| xxxxxx | 840401 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 840419 | xxxxxx | Cash From Borrower | 0.00 | 117023.64 | Verified | Field value reflects source document |
| xxxxxx | 840419 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840420 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840420 | xxxxxx | Total Cash-out | 243000.00 | 238641.32 | Verified | Field value reflects source document |
| xxxxxx | 840420 | xxxxxx | PITIA Reserves Months | 6.00 | 110.66 | Verified | Field value reflects source document |
| xxxxxx | 840420 | xxxxxx | Subject Debt Service Coverage Ratio | 1.00 | 0.91 | Verified | Field value reflects source document |
| xxxxxx | 840422 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840422 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 840422 | xxxxxx | Cash To Borrower | 216000.00 | 211571.90 | Verified | Field value reflects source document |
| xxxxxx | 840422 | xxxxxx | Original HLTV | 0 | 67.48466 | Verified | Field value reflects source document |
| xxxxxx | 840426 | xxxxxx | Cash To Borrower | 560000.00 | 557811.96 | Verified | Field value reflects source document |
| xxxxxx | 840426 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 840435 | xxxxxx | Representative FICO | 700 | 706 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 840435 | xxxxxx | Cash From Borrower | 0.00 | 153023.18 | Verified | Field value reflects source document |
| xxxxxx | 840435 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.642 | 42.99131 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 840435 | xxxxxx | Original HLTV | 0 | 79.99988 | Verified | Field value reflects source document |
| xxxxxx | 840440 | xxxxxx | Cash From Borrower | 0.00 | 178296.76 | Verified | Field value reflects source document |
| xxxxxx | 840440 | xxxxxx | Investor: Qualifying Total Debt Ratio | 12.62 | 25.71347 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840440 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840453 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 840453 | xxxxxx | Representative FICO | 789 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 840453 | xxxxxx | Cash From Borrower | 0.00 | 362015.74 | Verified | Field value reflects source document |
| xxxxxx | 840453 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 840456 | xxxxxx | Cash From Borrower | 171773.81 | 261773.81 | Verified | Cash from borrower + EMD |
| xxxxxx | 840561 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840563 | xxxxxx | Cash To Borrower | 0.00 | 37972.13 | Verified | Field value reflects source document |
| xxxxxx | 840563 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 840572 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 840576 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 840576 | xxxxxx | Subject Debt Service Coverage Ratio | 1.26 | 1.25 | Verified | Due to Rounding Up |
| xxxxxx | 840613 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840613 | xxxxxx | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 840620 | xxxxxx | Cash From Borrower | 0.00 | 2066.93 | Verified | Field value reflects source document |
| xxxxxx | 840620 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.41 | 35.18048 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840620 | xxxxxx | Original HLTV | 0 | 22.11009 | Verified | Field value reflects source document |
| xxxxxx | 840621 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 840621 | xxxxxx | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 840621 | xxxxxx | Cash To Borrower | 0.00 | 96639.34 | Verified | Field value reflects source document |
| xxxxxx | 840621 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 840621 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.3 | 44.0536 | Verified | 1008 approved at 44.44%. |
| xxxxxx | 840621 | xxxxxx | Original HLTV | 0 | 17.77105 | Verified | Field value reflects source document |
| xxxxxx | 840651 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 840651 | xxxxxx | Cash From Borrower | 0.00 | 146335.96 | Verified | Field value reflects source document |
| xxxxxx | 840651 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.007 | 43.20663 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840651 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840688 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840688 | xxxxxx | Cash To Borrower | 349880.00 | 347030.51 | Verified | Field value reflects source document |
| xxxxxx | 840688 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 840698 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 840698 | xxxxxx | Cash From Borrower | 0.00 | 46488.88 | Verified | Field value reflects source document |
| xxxxxx | 840698 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 840712 | xxxxxx | Cash From Borrower | 0.00 | 80480.64 | Verified | Field value reflects source document |
| xxxxxx | 840712 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840745 | xxxxxx | Cash To Borrower | 261358.87 | 93836.71 | Verified | Field value reflects source document |
| xxxxxx | 840745 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49 | 46.70524 | Verified | 1008 approved at 43.923%. |
| xxxxxx | 840745 | xxxxxx | Original HLTV | 0 | 59.34066 | Verified | Field value reflects source document |
| xxxxxx | 840749 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840749 | xxxxxx | Original Interest Rate | 8.375 | 8.25 | Verified | Field Value reflects the Note value |
| xxxxxx | 840749 | xxxxxx | Cash From Borrower | 0.00 | 207211.58 | Verified | Field value reflects source document |
| xxxxxx | 840749 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 840826 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 840826 | xxxxxx | Representative FICO | 737 | 765 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 840826 | xxxxxx | Cash From Borrower | 0.00 | 357613.57 | Verified | Field value reflects source document |
| xxxxxx | 840826 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 840841 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 840841 | xxxxxx | Representative FICO | 725 | 759 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 840841 | xxxxxx | Cash From Borrower | 0.00 | 146900.23 | Verified | Field value reflects source document |
| xxxxxx | 840841 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 840859 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 840859 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840859 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 840859 | xxxxxx | Cash To Borrower | 1000000.00 | 970151.32 | Verified | Field value reflects source document |
| xxxxxx | 840859 | xxxxxx | Original HLTV | 0 | 57.63689 | Verified | Field value reflects source document |
| xxxxxx | 840888 | xxxxxx | Representative FICO | 743 | 748 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 840888 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 840888 | xxxxxx | Cash To Borrower | 595000.00 | 586939.15 | Verified | Field value reflects source document |
| xxxxxx | 840888 | xxxxxx | Original HLTV | 0 | 32.48511 | Verified | Field value reflects source document |
| xxxxxx | 840910 | xxxxxx | Cash To Borrower | 654000.00 | 652207.07 | Verified | Field value reflects source document |
| xxxxxx | 840910 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 840920 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840920 | xxxxxx | Cash To Borrower | 40090.00 | 36415.33 | Verified | Field value reflects source document |
| xxxxxx | 840920 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 840938 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 840938 | xxxxxx | Cash To Borrower | 500000.00 | 477679.74 | Verified | Field value reflects source document |
| xxxxxx | 840938 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39 | 30.66139 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840938 | xxxxxx | Original HLTV | 0 | 25.7732 | Verified | Field value reflects source document |
| xxxxxx | 840980 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 840980 | xxxxxx | Cash From Borrower | 0.00 | 92197.37 | Verified | Field value reflects source document |
| xxxxxx | 840980 | xxxxxx | Investor: Qualifying Total Debt Ratio | 8.75 | 47.80926 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840980 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840981 | xxxxxx | Cash From Borrower | 0.00 | 168101.96 | Verified | Field value reflects source document |
| xxxxxx | 840981 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33.764 | 49.23797 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840981 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840988 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 840988 | xxxxxx | Cash From Borrower | 0.00 | 503018.98 | Verified | Field value reflects source document |
| xxxxxx | 840988 | xxxxxx | Original HLTV | 0 | 54.45545 | Verified | Field value reflects source document |
| xxxxxx | 840998 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 840998 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840998 | xxxxxx | Cash To Borrower | 800000.00 | 793619.98 | Verified | Field value reflects source document |
| xxxxxx | 840998 | xxxxxx | Original HLTV | 0 | 64.98993 | Verified | Field value reflects source document |
| xxxxxx | 841016 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 841016 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841016 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 841016 | xxxxxx | Cash From Borrower | 0.00 | 71792.56 | Verified | Field value reflects source document |
| xxxxxx | 841016 | xxxxxx | Investor: Qualifying Total Debt Ratio | 9.95 | 13.38786 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841016 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841024 | xxxxxx | Cash To Borrower | 220000.00 | 211529.65 | Verified | Field value reflects source document |
| xxxxxx | 841024 | xxxxxx | Original HLTV | 0 | 64.70588 | Verified | Field value reflects source document |
| xxxxxx | 841028 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841028 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 841028 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 841028 | xxxxxx | Cash From Borrower | 0.00 | 59370.23 | Verified | Field value reflects source document |
| xxxxxx | 841028 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841036 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841036 | xxxxxx | Cash From Borrower | 0.00 | 180067.83 | Verified | Field value reflects source document |
| xxxxxx | 841036 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33 | 44.71154 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841036 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841046 | xxxxxx | Cash From Borrower | 0.00 | 148687.57 | Verified | Field value reflects source document |
| xxxxxx | 841046 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48 | 44.17866 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841046 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 841056 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 841071 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 841071 | xxxxxx | Cash From Borrower | 0.00 | 59782.98 | Verified | Field value reflects source document |
| xxxxxx | 841071 | xxxxxx | Original HLTV | 0 | 74.99988 | Verified | Field value reflects source document |
| xxxxxx | 841072 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 841072 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 841072 | xxxxxx | Cash From Borrower | 0.00 | 91917.32 | Verified | Field value reflects source document |
| xxxxxx | 841072 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 841084 | xxxxxx | Cash From Borrower | 0.00 | 58567.62 | Verified | Field value reflects source document |
| xxxxxx | 841084 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841102 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 841102 | xxxxxx | Cash To Borrower | 60050.11 | 57188.63 | Verified | Field value reflects source document |
| xxxxxx | 841102 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.762 | 38.69268 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841102 | xxxxxx | Original HLTV | 0 | 68.75632 | Verified | Field value reflects source document |
| xxxxxx | 841128 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 841128 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 841128 | xxxxxx | Representative FICO | 800 | 808 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 841128 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 841128 | xxxxxx | Cash To Borrower | 798898.83 | 833053.32 | Verified | Field value reflects source document |
| xxxxxx | 841128 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.253 | 37.32912 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841128 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841192 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841192 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841192 | xxxxxx | Cash To Borrower | 82000.00 | 62199.16 | Verified | Field value reflects source document |
| xxxxxx | 841192 | xxxxxx | Original HLTV | 0 | 72.02185 | Verified | Field value reflects source document |
| xxxxxx | 841245 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841245 | xxxxxx | Cash From Borrower | 0.00 | 203143.72 | Verified | Field value reflects source document |
| xxxxxx | 841245 | xxxxxx | Original HLTV | 0 | 67.15928 | Verified | Field value reflects source document |
| xxxxxx | 841264 | xxxxxx | Cash To Borrower | 83141.00 | 81561.92 | Verified | Field value reflects source document |
| xxxxxx | 841264 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 841264 | xxxxxx | Original HLTV | 0 | 19.10317 | Verified | Field value reflects source document |
| xxxxxx | 841266 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 841266 | xxxxxx | Borrower SSN |  | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 841266 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 841266 | xxxxxx | Cash From Borrower | 0.00 | 132283.74 | Verified | Field value reflects source document |
| xxxxxx | 841266 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 841275 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 841275 | xxxxxx | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841275 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 841275 | xxxxxx | # of Units | 1 | 4 | Verified | Field value reflects source document |
| xxxxxx | 841275 | xxxxxx | Cash To Borrower | 435847.00 | 362389.01 | Verified | Field value reflects source document |
| xxxxxx | 841275 | xxxxxx | Investor: Qualifying Total Debt Ratio | 5 | 9.91065 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841275 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 841278 | xxxxxx | Cash To Borrower | 441255.28 | 427704.65 | Verified | Field value reflects source document |
| xxxxxx | 841278 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 841279 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 841279 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 841281 | xxxxxx | Cash To Borrower | 72340.76 | 64899.78 | Verified | Field value reflects source document |
| xxxxxx | 841281 | xxxxxx | Original HLTV | 0 | 64.61538 | Verified | Field value reflects source document |
| xxxxxx | 841296 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841296 | xxxxxx | Cash To Borrower | 58658.00 | 58657.14 | Verified | Field value reflects source document |
| xxxxxx | 841296 | xxxxxx | Original HLTV | 0 | 62.71186 | Verified | Field value reflects source document |
| xxxxxx | 841298 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841298 | xxxxxx | Cash To Borrower | 119042.00 | 119041.81 | Verified | Field value reflects source document |
| xxxxxx | 841298 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 841320 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841320 | xxxxxx | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 841328 | xxxxxx | Cash From Borrower | 0.00 | 100773.08 | Verified | Field value reflects source document |
| xxxxxx | 841328 | xxxxxx | Original HLTV | 0 | 68.35612 | Verified | Field value reflects source document |
| xxxxxx | 841341 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841341 | xxxxxx | Prepayment Penalty Period (months) | 60 | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 841341 | xxxxxx | Investor: Qualifying Total Debt Ratio | 35.29 | 32.54754 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841536 | xxxxxx | Cash From Borrower | 0.00 | 144594.84 | Verified | Field value reflects source document |
| xxxxxx | 841536 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841566 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841566 | xxxxxx | Cash From Borrower | 0.00 | 83089.18 | Verified | Field value reflects source document |
| xxxxxx | 841566 | xxxxxx | Original HLTV | 0 | 79.98926 | Verified | Field value reflects source document |
| xxxxxx | 841569 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 841569 | xxxxxx | Representative FICO | 784 | 806 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 841569 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 841569 | xxxxxx | Cash From Borrower | 0.00 | 156369.17 | Verified | Field value reflects source document |
| xxxxxx | 841569 | xxxxxx | Original HLTV | 0 | 67.06731 | Verified | Field value reflects source document |
| xxxxxx | 841575 | xxxxxx | Borrower SSN |  | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 841575 | xxxxxx | Representative FICO | 736 | 730 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 841575 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 841575 | xxxxxx | Cash To Borrower | 738204.00 | 757837.00 | Verified | Field value reflects source document |
| xxxxxx | 841575 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.86 | 34.40755 | Verified | Field data matches Lenders qualifying DTI |
| xxxxxx | 841575 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 841579 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 841579 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 841579 | xxxxxx | Cash From Borrower | 0.00 | 136979.07 | Verified | Field value reflects source document |
| xxxxxx | 841579 | xxxxxx | Original HLTV | 0 | 73.40426 | Verified | Field value reflects source document |
| xxxxxx | 841587 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 841587 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841587 | xxxxxx | Cash From Borrower | 0.00 | 527055.93 | Verified | Field value reflects source document |
| xxxxxx | 841587 | xxxxxx | Original HLTV | 0 | 69.63005 | Verified | Field value reflects source document |
| xxxxxx | 841617 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| xxxxxx | 841617 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 841617 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841617 | xxxxxx | Cash From Borrower | 0.00 | 94920.59 | Verified | Field value reflects source document |
| xxxxxx | 841617 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 841637 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841637 | xxxxxx | Representative FICO | 740 | 739 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 841637 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841637 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 841637 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 841637 | xxxxxx | Cash From Borrower | 0.00 | 122903.55 | Verified | Field value reflects source document |
| xxxxxx | 841637 | xxxxxx | Investor: Qualifying Total Debt Ratio | 52.66 | 49.59569 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841637 | xxxxxx | Original HLTV | 0 | 76.70771 | Verified | Field value reflects source document |
| xxxxxx | 841638 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841638 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841638 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 841638 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 841638 | xxxxxx | Cash From Borrower | 0.00 | 308705.04 | Verified | Field value reflects source document |
| xxxxxx | 841638 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.565 | 44.96741 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841638 | xxxxxx | Original HLTV | 0 | 79.99997 | Verified | Field value reflects source document |
| xxxxxx | 841639 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841639 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 841639 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 841639 | xxxxxx | Cash From Borrower | 0.00 | 835352.16 | Verified | Field value reflects source document |
| xxxxxx | 841639 | xxxxxx | Original HLTV | 0 | 53.64409 | Verified | Field value reflects source document |
| xxxxxx | 841640 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841640 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 841640 | xxxxxx | Cash From Borrower | 0.00 | 298968.93 | Verified | Field value reflects source document |
| xxxxxx | 841640 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.567 | 47.88086 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841640 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841643 | xxxxxx | Cash To Borrower | 276846.00 | 276019.40 | Verified | Field value reflects source document |
| xxxxxx | 841643 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 841650 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 841650 | xxxxxx | Cash From Borrower | 0.00 | 1188.43 | Verified | Field value reflects source document |
| xxxxxx | 841650 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.11 | 42.74475 | Verified | Field DTI is lower due to lower negative REO than lender used. |
| xxxxxx | 841650 | xxxxxx | Original HLTV | 0 | 60.73211 | Verified | Field value reflects source document |
| xxxxxx | 841672 | xxxxxx | Cash To Borrower | 162280.00 | 138558.13 | Verified | Field value reflects source document |
| xxxxxx | 841672 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 841672 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41.84 | 38.20729 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841672 | xxxxxx | Original HLTV | 0 | 65.42969 | Verified | Field value reflects source document |
| xxxxxx | 841678 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841678 | xxxxxx | Cash To Borrower | 15000.00 | 19713.21 | Verified | Field value reflects source document |
| xxxxxx | 841678 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 841681 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 841681 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 841681 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841681 | xxxxxx | Cash From Borrower | 0.00 | 254186.17 | Verified | Field value reflects source document |
| xxxxxx | 841681 | xxxxxx | Original HLTV | 0 | 58.98516 | Verified | Field value reflects source document |
| xxxxxx | 841752 | xxxxxx | Cash To Borrower | 280000.00 | 270339.35 | Verified | Field value reflects source document |
| xxxxxx | 841752 | xxxxxx | Original HLTV | 0 | 73.68421 | Verified | Field value reflects source document |
| xxxxxx | 841770 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 841770 | xxxxxx | Cash From Borrower | 0.00 | 710805.37 | Verified | Field value reflects source document |
| xxxxxx | 841770 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.43 | 54.18542 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841770 | xxxxxx | Original HLTV | 0 | 74.75 | Verified | Field value reflects source document |
| xxxxxx | 841781 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 841781 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841781 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 841781 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.963 | 46.83827 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841782 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841782 | xxxxxx | Cash From Borrower | 0.00 | 33323.31 | Verified | Field value reflects source document |
| xxxxxx | 841782 | xxxxxx | Original HLTV | 0 | 59.90244 | Verified | Field value reflects source document |
| xxxxxx | 841804 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 841804 | xxxxxx | Original CLTV | 46.53854 | 47.80538 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 841804 | xxxxxx | Cash From Borrower | 0.00 | 613.44 | Verified | Field value reflects source document |
| xxxxxx | 841804 | xxxxxx | Original HLTV | 0 | 14.19231 | Verified | Field value reflects source document |
| xxxxxx | 841821 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841821 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 841821 | xxxxxx | Cash From Borrower | 0.00 | 93951.25 | Verified | Field value reflects source document |
| xxxxxx | 841821 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 841822 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841822 | xxxxxx | Cash To Borrower | 108852.50 | 101952.89 | Verified | Field value reflects source document |
| xxxxxx | 841822 | xxxxxx | Original HLTV | 0 | 64.02439 | Verified | Field value reflects source document |
| xxxxxx | 841861 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841865 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 841865 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841865 | xxxxxx | Cash From Borrower | 0.00 | 177730.00 | Verified | Field value reflects source document |
| xxxxxx | 841865 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 841881 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841881 | xxxxxx | Cash To Borrower | 750000.00 | 716705.70 | Verified | Field value reflects source document |
| xxxxxx | 841881 | xxxxxx | Investor: Qualifying Total Debt Ratio | 29.22 | 19.09834 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841881 | xxxxxx | Original HLTV | 0 | 35.46099 | Verified | Field value reflects source document |
| xxxxxx | 841884 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841884 | xxxxxx | Cash To Borrower | 176846.00 | 129431.40 | Verified | Field value reflects source document |
| xxxxxx | 841884 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 841884 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 841920 | xxxxxx | Cash To Borrower | 399655.00 | 419768.19 | Verified | Field value reflects source document |
| xxxxxx | 841920 | xxxxxx | Original HLTV | 0 | 58.66667 | Verified | Field value reflects source document |
| xxxxxx | 841979 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 841979 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 841979 | xxxxxx | Cash From Borrower | 0.00 | 237146.97 | Verified | Field value reflects source document |
| xxxxxx | 841979 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 841980 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841980 | xxxxxx | Representative FICO | 741 | 775 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 841980 | xxxxxx | Cash To Borrower | 291487.00 | 290711.53 | Verified | Field value reflects source document |
| xxxxxx | 841980 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 841986 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841986 | xxxxxx | Cash From Borrower | 0.00 | 239015.14 | Verified | Field value reflects source document |
| xxxxxx | 841986 | xxxxxx | Original HLTV | 0 | 59.60227 | Verified | Field value reflects source document |
| xxxxxx | 841998 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 841998 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841998 | xxxxxx | Cash From Borrower | 0.00 | 729153.35 | Verified | Field value reflects source document |
| xxxxxx | 841998 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.71 | 42.35884 | Verified | Borrower primary source of income is W2. SE loss does not need to be included |
| xxxxxx | 841998 | xxxxxx | Original HLTV | 0 | 55.72755 | Verified | Field value reflects source document |
| xxxxxx | 842029 | xxxxxx | Cash To Borrower | 170968.43 | 171723.94 | Verified | Field value reflects source document |
| xxxxxx | 842039 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 842039 | xxxxxx | Property Type | Condotel | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842039 | xxxxxx | Subject Debt Service Coverage Ratio | 1.11 | 1.10 | Verified | Field value reflects source document |
| xxxxxx | 842045 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 842045 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842045 | xxxxxx | Subject Debt Service Coverage Ratio | 1.03 | 1.04 | Verified | Rounded off |
| xxxxxx | 842047 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842048 | xxxxxx | Subject Debt Service Coverage Ratio | 0.92 | 0.76 | Verified | Actual rent $13,000 is used at 100% P&I $13,577.78 + Tax $xxxxxx+ HOI $1346.44 + HOA 133.33 = $xxxxxx DSCR is 0.76 |
| xxxxxx | 842050 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842050 | xxxxxx | Original CLTV | 66.364 | 65.17857 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 842050 | xxxxxx | Original LTV | 66.364 | 65.17857 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 842050 | xxxxxx | Subject Debt Service Coverage Ratio | 2.24 | 2.23 | Verified | Due to rounding |
| xxxxxx | 842052 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842052 | xxxxxx | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842053 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842053 | xxxxxx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 842053 | xxxxxx | Subject Debt Service Coverage Ratio | 1.00 | 1.25 | Verified | Field value reflects source document |
| xxxxxx | 842061 | xxxxxx | Subject Debt Service Coverage Ratio | 1.03 | 1.02 | Verified | Due to Rounding |
| xxxxxx | 842063 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842063 | xxxxxx | Subject Debt Service Coverage Ratio | 1.05 | 1.04 | Verified | Due to rounding. |
| xxxxxx | 842064 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 842064 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842064 | xxxxxx | Subject Debt Service Coverage Ratio | 0.59 | 0.58 | Verified | Rounded off |
| xxxxxx | 842068 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842068 | xxxxxx | Representative FICO | 742 | 769 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| xxxxxx | 842068 | xxxxxx | Property Type | 4 Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842068 | xxxxxx | Subject Debt Service Coverage Ratio | 1.13 | 1.12 | Verified | Due to Rounding. |
| xxxxxx | 842069 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842069 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842069 | xxxxxx | Subject Debt Service Coverage Ratio | 1.69 | 1.68 | Verified | Due to round off |
| xxxxxx | 842073 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 842073 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842073 | xxxxxx | Subject Debt Service Coverage Ratio | 1.02 | 1.01 | Verified | Rounding Off |
| xxxxxx | 842317 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 842317 | xxxxxx | Cash To Borrower | 819471.00 | 815176.00 | Verified | Field value reflects source document |
| xxxxxx | 842317 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 842339 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842339 | xxxxxx | Cash To Borrower | 360000.00 | 306041.39 | Verified | Field value reflects source document |
| xxxxxx | 842339 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 842375 | xxxxxx | Cash To Borrower | 500000.00 | 792653.19 | Verified | Field value reflects source document |
| xxxxxx | 842375 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 842419 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842419 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 842419 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 842419 | xxxxxx | Cash To Borrower | 550000.00 | 523400.55 | Verified | Field value reflects source document |
| xxxxxx | 842419 | xxxxxx | Original CLTV | 62.5 | 57.29167 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 842419 | xxxxxx | Original LTV | 62.5 | 57.29167 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 842419 | xxxxxx | Original HLTV | 0 | 57.29167 | Verified | Field value reflects source document |
| xxxxxx | 842432 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842432 | xxxxxx | Cash From Borrower | 0.00 | 320644.39 | Verified | Field value reflects source document |
| xxxxxx | 842432 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.44 | 31.03947 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 842432 | xxxxxx | Original HLTV | 0 | 37.1134 | Verified | Field value reflects source document |
| xxxxxx | 842452 | xxxxxx | Representative FICO | 743 | 788 | Verified | Highest wage earner |
| xxxxxx | 842452 | xxxxxx | Cash To Borrower | 72901.00 | 74229.78 | Verified | Field value reflects source document |
| xxxxxx | 842452 | xxxxxx | Original HLTV | 0 | 25.41296 | Verified | Field value reflects source document |
| xxxxxx | 842454 | xxxxxx | Cash From Borrower | 0.00 | 225641.96 | Verified | Field value reflects source document |
| xxxxxx | 842454 | xxxxxx | Investor: Qualifying Total Debt Ratio | 9.862 | 34.1752 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 842454 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 842460 | xxxxxx | Representative FICO | 785 | 756 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 842460 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 842460 | xxxxxx | Cash To Borrower | 390725.00 | 388523.33 | Verified | Field value reflects source document |
| xxxxxx | 842460 | xxxxxx | Original CLTV | 34.78261 | 37.66478 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 842460 | xxxxxx | Original LTV | 34.78261 | 37.66478 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 842460 | xxxxxx | Original HLTV | 0 | 37.66478 | Verified | Field value reflects source document |
| xxxxxx | 842552 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 842552 | xxxxxx | Cash From Borrower | 0.00 | 181845.55 | Verified | Field value reflects source document |
| xxxxxx | 842552 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 842576 | xxxxxx | Original Term | 180 | 360 | Verified | Field Value reflects the Note value |
| xxxxxx | 842576 | xxxxxx | Amortization Term | 180 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 842576 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842576 | xxxxxx | Original CLTV | 23.90132 | 74.98526 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 842576 | xxxxxx | Cash From Borrower | 0.00 | 852.90 | Verified | Field value reflects source document |
| xxxxxx | 842576 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.824 | 43.57065 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 842576 | xxxxxx | Original HLTV | 0 | 23.90132 | Verified | Field value reflects source document |
| xxxxxx | 842620 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842620 | xxxxxx | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842620 | xxxxxx | Cash From Borrower | 0.00 | 69532.15 | Verified | Field value reflects source document |
| xxxxxx | 842620 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 842641 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 842641 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 842641 | xxxxxx | Cash From Borrower | 0.00 | 391611.14 | Verified | Field value reflects source document |
| xxxxxx | 842641 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 842650 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 842650 | xxxxxx | Cash From Borrower | 0.00 | 109129.14 | Verified | Field value reflects source document |
| xxxxxx | 842650 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 842688 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842688 | xxxxxx | Cash From Borrower | 0.00 | 123132.70 | Verified | Field value reflects source document |
| xxxxxx | 842688 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 842702 | xxxxxx | Representative FICO | 763 | 769 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 842702 | xxxxxx | Occupancy | Investment | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| xxxxxx | 842702 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 842702 | xxxxxx | Cash From Borrower | 0.00 | 109322.81 | Verified | Field value reflects source document |
| xxxxxx | 842702 | xxxxxx | Investor: Qualifying Total Debt Ratio | 15.285 | 26.25098 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 842702 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 842717 | xxxxxx | Cash To Borrower | 290162.08 | 278065.63 | Verified | Field value reflects source document |
| xxxxxx | 842717 | xxxxxx | Original HLTV | 0 | 39.21569 | Verified | Field value reflects source document |
| xxxxxx | 842740 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842740 | xxxxxx | Cash From Borrower | 0.00 | 69280.18 | Verified | Field value reflects source document |
| xxxxxx | 842740 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 842743 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842743 | xxxxxx | Cash From Borrower | 0.00 | 292061.51 | Verified | Field value reflects source document |
| xxxxxx | 842743 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.36 | 46.40649 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 842743 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 842791 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842791 | xxxxxx | Cash From Borrower | 0.00 | 172099.06 | Verified | Field value reflects source document |
| xxxxxx | 842791 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 842818 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 842818 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842818 | xxxxxx | Cash To Borrower | 100000.00 | 58676.92 | Verified | Field value reflects source document |
| xxxxxx | 842818 | xxxxxx | Original HLTV | 0 | 68.26667 | Verified | Field value reflects source document |
| xxxxxx | 842848 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842848 | xxxxxx | Representative FICO | 727 | 732 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 842848 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 842848 | xxxxxx | Cash From Borrower | 0.00 | 134948.01 | Verified | Field value reflects source document |
| xxxxxx | 842848 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30.266 | 38.79824 | Verified | 1008 approved at 37.911%. |
| xxxxxx | 842848 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 842853 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 842853 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842853 | xxxxxx | Subject Debt Service Coverage Ratio | 0.43 | 0.41 | Verified | Field value reflects source document |
| xxxxxx | 842854 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842854 | xxxxxx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 842854 | xxxxxx | Interest Only Period | 120 | 359 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| xxxxxx | 842854 | xxxxxx | Subject Debt Service Coverage Ratio | 1.11 | 1.10 | Verified | Due to round off. |
| xxxxxx | 842855 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 842855 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842855 | xxxxxx | Representative FICO | 667 | 670 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 842855 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842857 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 842857 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842857 | xxxxxx | Representative FICO | 667 | 670 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 842857 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842858 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842858 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842861 | xxxxxx | Subject Debt Service Coverage Ratio | 1.00 | 1.14 | Verified | Lender used 110% market rent instead of 100% market rent. |
| xxxxxx | 842862 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842862 | xxxxxx | Subject Debt Service Coverage Ratio | 1.00 | 1.03 | Verified | Updated PITIA as per the document and Rental market amount updated correctly however DSCR is not matching. |
| xxxxxx | 842863 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842863 | xxxxxx | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 842863 | xxxxxx | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 842863 | xxxxxx | Subject Debt Service Coverage Ratio | 1.00 | 0.99 | Verified | PITIA updated as per the document however HOA is not considered for DSCR calculation. |
| xxxxxx | 842864 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 842864 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842864 | xxxxxx | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842864 | xxxxxx | Subject Debt Service Coverage Ratio | 1.17 | 1.03 | Verified | DSCR - $1,500.00 / $1,454.70 = 1.03 updated as per document which includes HOA dues of $350.00 per month. |
| xxxxxx | 842865 | xxxxxx | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842866 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842867 | xxxxxx | Subject Debt Service Coverage Ratio | 1.02 | 1.01 | Verified | Field value reflects source document |
| xxxxxx | 842868 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 842868 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842870 | xxxxxx | Subject Debt Service Coverage Ratio | 1.09 | 1.07 | Verified | updated as per the document PITIA however DSCR is not matching |
| xxxxxx | 842871 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842871 | xxxxxx | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842873 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842873 | xxxxxx | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842874 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 842876 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 842876 | xxxxxx | Subject Debt Service Coverage Ratio | 0.87 | 0.69 | Verified | Bid Tape field is not including the $1090 monthly HOA fee. |
| xxxxxx | 842877 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842877 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842877 | xxxxxx | Subject Debt Service Coverage Ratio | 1.02 | 1.01 | Verified | Due to rounding |
| xxxxxx | 842878 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842879 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842879 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842880 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842881 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842881 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842882 | xxxxxx | Representative FICO | 801 | 791 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 842882 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842883 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842884 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 842884 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842885 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 842885 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842886 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842887 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842895 | xxxxxx | Cash From Borrower | 0.00 | 219953.58 | Verified | Field value reflects source document |
| xxxxxx | 842895 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 842908 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 842908 | xxxxxx | Cash To Borrower | 48795.00 | 30256.47 | Verified | Field value reflects source document |
| xxxxxx | 842908 | xxxxxx | Original HLTV | 0 | 68.41121 | Verified | Field value reflects source document |
| xxxxxx | 842910 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 842910 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842970 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 842970 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842970 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 842970 | xxxxxx | Cash From Borrower | 0.00 | 67188.40 | Verified | Field value reflects source document |
| xxxxxx | 842970 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 842978 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 842978 | xxxxxx | Cash From Borrower | 0.00 | 606131.26 | Verified | Field value reflects source document |
| xxxxxx | 842978 | xxxxxx | Original HLTV | 0 | 77.18147 | Verified | Field value reflects source document |
| xxxxxx | 842999 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842999 | xxxxxx | Cash From Borrower | 0.00 | 72113.60 | Verified | Field value reflects source document |
| xxxxxx | 842999 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.535 | 41.19093 | Verified | Field data matches Lenders qualifying DTI |
| xxxxxx | 842999 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 843007 | xxxxxx | Cash To Borrower | 476000.00 | 480481.58 | Verified | Field value reflects source document |
| xxxxxx | 843007 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28 | 40.00076 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843030 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843030 | xxxxxx | Cash To Borrower | 193089.00 | 158995.42 | Verified | Field value reflects source document |
| xxxxxx | 843030 | xxxxxx | Original HLTV | 0 | 32.51534 | Verified | Field value reflects source document |
| xxxxxx | 843115 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 843115 | xxxxxx | Original CLTV | 72.55435 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 843115 | xxxxxx | Original LTV | 72.55435 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 843115 | xxxxxx | Cash From Borrower | 0.00 | 264008.69 | Verified | Field value reflects source document |
| xxxxxx | 843115 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.426 | 58.89059 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843115 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 843124 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843124 | xxxxxx | Representative FICO | 766 | 765 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843124 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843124 | xxxxxx | Cash To Borrower | 426000.00 | 426372.54 | Verified | Field value reflects source document |
| xxxxxx | 843124 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 843143 | xxxxxx | Cash To Borrower | 329922.87 | 329291.37 | Verified | Field value reflects source document |
| xxxxxx | 843143 | xxxxxx | Investor: Qualifying Total Debt Ratio | 31.474 | 33.97188 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843143 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 843163 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 843163 | xxxxxx | Original Term | 180 | 360 | Verified | Field Value reflects the Note value |
| xxxxxx | 843163 | xxxxxx | Amortization Term | 180 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 843163 | xxxxxx | Representative FICO | 720 | 777 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843163 | xxxxxx | Cash From Borrower | 0.00 | 2879212.37 | Verified | Field value reflects source document |
| xxxxxx | 843163 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33.325 | 29.0476 | Verified | Expense factor on CPA verified letter |
| xxxxxx | 843163 | xxxxxx | Original HLTV | 0 | 15.14326 | Verified | Field value reflects source document |
| xxxxxx | 843164 | xxxxxx | Cash From Borrower | 0.00 | 112239.94 | Verified | Field value reflects source document |
| xxxxxx | 843164 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 843169 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 843169 | xxxxxx | Cash From Borrower | 0.00 | 102105.88 | Verified | Field value reflects source document |
| xxxxxx | 843170 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843170 | xxxxxx | Cash From Borrower | 0.00 | 51413.74 | Verified | Field value reflects source document |
| xxxxxx | 843170 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 843171 | xxxxxx | Cash From Borrower | 0.00 | 204217.38 | Verified | Field value reflects source document |
| xxxxxx | 843171 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 843176 | xxxxxx | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843176 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 843176 | xxxxxx | Cash From Borrower | 0.00 | 101609.20 | Verified | Field value reflects source document |
| xxxxxx | 843176 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 843183 | xxxxxx | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 843186 | xxxxxx | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 843239 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843270 | xxxxxx | Original LTV | 78.16 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 843321 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843323 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843374 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 843374 | xxxxxx | Note Date |  | xxxxxx | Verified | Bid Tape Field Value is not provided. |
| xxxxxx | 843419 | xxxxxx | Cash To Borrower | 85000.00 | 84517.13 | Verified | Field value reflects source document |
| xxxxxx | 843419 | xxxxxx | Original CLTV | 45.60245 | 43.92352 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 843432 | xxxxxx | Cash To Borrower | 25665.91 | 169435.58 | Verified | Field value reflects source document |
| xxxxxx | 843432 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.987 | 35.75736 | Verified | Missing approval to confirm Bid Tape value. |
| xxxxxx | 843432 | xxxxxx | Original HLTV | 0 | 12.35294 | Verified | Field value reflects source document |
| xxxxxx | 843443 | xxxxxx | Cash To Borrower | 125000.00 | 480190.81 | Verified | Field value reflects source document |
| xxxxxx | 843443 | xxxxxx | Original HLTV | 0 | 30.8642 | Verified | Field value reflects source document |
| xxxxxx | 843450 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843450 | xxxxxx | Cash From Borrower | 0.00 | 91509.19 | Verified | Field value reflects source document |
| xxxxxx | 843450 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 843454 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843454 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843454 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 843454 | xxxxxx | Cash From Borrower | 0.00 | 110286.94 | Verified | Field value reflects source document |
| xxxxxx | 843454 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 843546 | xxxxxx | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843546 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38.866 | 25.03462 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843549 | xxxxxx | Subject Debt Service Coverage Ratio | 1.25 | 2.29 | Verified | Field value reflects source document |
| xxxxxx | 843550 | xxxxxx | Representative FICO | 804 | 735 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843550 | xxxxxx | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843553 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843553 | xxxxxx | Subject Debt Service Coverage Ratio | 1.30 | 1.29 | Verified | DSCR mismatch due to round-off value. |
| xxxxxx | 843554 | xxxxxx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 843554 | xxxxxx | Original CLTV | 35.714 | 32.6087 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 843554 | xxxxxx | Original LTV | 35.714 | 32.6087 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 843554 | xxxxxx | Subject Debt Service Coverage Ratio | 1.38 | 1.37 | Verified | Updated PITIA as per the document and Rental market amount updated correctly however DSCR is not matching. |
| xxxxxx | 843555 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843555 | xxxxxx | Investor: Qualifying Total Debt Ratio |  | 23.49029 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843556 | xxxxxx | Subject Debt Service Coverage Ratio | 1.25 | 1.09 | Verified | DSCR: $5200 total debt / $4741 PITIA = 1.0968% |
| xxxxxx | 843558 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843559 | xxxxxx | Property Type |  | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843559 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 843559 | xxxxxx | Investor: Qualifying Total Debt Ratio |  | 31.83683 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843561 | xxxxxx | Subject Debt Service Coverage Ratio | 1.25 | 1.34 | Verified | Field value reflects source document |
| xxxxxx | 843562 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 843562 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843562 | xxxxxx | Subject Debt Service Coverage Ratio | 0.69 | 0.68 | Verified | Due to round off. |
| xxxxxx | 843563 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 843563 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30.896 | 33.75587 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843565 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843565 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 843565 | xxxxxx | Subject Debt Service Coverage Ratio | 1.00 | 1.54 | Verified | xxxxxx rent 8750 / $5,645.76 PITIA = 1.54% |
| xxxxxx | 843566 | xxxxxx | Subject Debt Service Coverage Ratio | 0.96 | 0.95 | Verified | DSCR Used market rent $1,950/PITIA of $2,033.27=0.95 |
| xxxxxx | 843568 | xxxxxx | Property Type |  | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843568 | xxxxxx | Subject Debt Service Coverage Ratio | 1.15 | 1.20 | Verified | Lender is using lease rent of $3500 / PITIA $2,903.49 = 1.20% |
| xxxxxx | 843573 | xxxxxx | Cash From Borrower | 0.00 | 162166.74 | Verified | Field value reflects source document |
| xxxxxx | 843573 | xxxxxx | Original HLTV | 0 | 58.21704 | Verified | Field value reflects source document |
| xxxxxx | 843581 | xxxxxx | Representative FICO | 719 | 716 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843581 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843581 | xxxxxx | Cash From Borrower | 0.00 | 52363.42 | Verified | Field value reflects source document |
| xxxxxx | 843581 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 843585 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843585 | xxxxxx | Cash From Borrower | 0.00 | 58317.41 | Verified | Field value reflects source document |
| xxxxxx | 843585 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 843598 | xxxxxx | Cash From Borrower | 0.00 | 144321.37 | Verified | Field value reflects source document |
| xxxxxx | 843598 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.61 | 47.27268 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843598 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 843639 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 843639 | xxxxxx | Cash To Borrower | 225615.55 | 206325.31 | Verified | Field value reflects source document |
| xxxxxx | 843639 | xxxxxx | Original CLTV | 62.95558 | 52.41922 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 843639 | xxxxxx | Original HLTV | 0 | 35.06494 | Verified | Field value reflects source document |
| xxxxxx | 843645 | xxxxxx | Cash To Borrower | 70118.07 | 53022.88 | Verified | Field value reflects source document |
| xxxxxx | 843645 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 843645 | xxxxxx | Original HLTV | 0 | 49.18033 | Verified | Field value reflects source document |
| xxxxxx | 843697 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843699 | xxxxxx | Representative FICO | 719 | 705 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843725 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 843799 | xxxxxx | Cash From Borrower | 0.00 | 226735.02 | Verified | Field value reflects source document |
| xxxxxx | 843799 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 843802 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 843807 | xxxxxx | Cash To Borrower | 343119.79 | 343050.52 | Verified | Field value reflects source document |
| xxxxxx | 843807 | xxxxxx | Original HLTV | 0 | 22.08202 | Verified | Field value reflects source document |
| xxxxxx | 843809 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843809 | xxxxxx | Cash From Borrower | 0.00 | 109806.76 | Verified | Field value reflects source document |
| xxxxxx | 843809 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 843811 | xxxxxx | Cash To Borrower | 0.00 | 226.06 | Verified | Field value reflects source document |
| xxxxxx | 843811 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.17 | 41.64362 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843811 | xxxxxx | Original HLTV | 0 | 61.75824 | Verified | Field value reflects source document |
| xxxxxx | 843815 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 843815 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 843818 | xxxxxx | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843818 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 843818 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Rate/Term · Max cash back to borrower is limited to $2,000 or 1% of new loan amount whichever is greater |
| xxxxxx | 843818 | xxxxxx | Original HLTV | 0 | 67.10526 | Verified | Field value reflects source document |
| xxxxxx | 843890 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 843890 | xxxxxx | Cash To Borrower | 424086.00 | 420930.28 | Verified | Field value reflects source document |
| xxxxxx | 843890 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.98 | 41.3309 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843890 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 843942 | xxxxxx | Cash From Borrower | 0.00 | 82178.25 | Verified | Field value reflects source document |
| xxxxxx | 843942 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 843967 | xxxxxx | Cash To Borrower | 93935.54 | 390495.11 | Verified | Field value reflects source document |
| xxxxxx | 843967 | xxxxxx | Original HLTV | 0 | 66.73022 | Verified | Field value reflects source document |
| xxxxxx | 843972 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843972 | xxxxxx | Cash From Borrower | 0.00 | 348210.75 | Verified | Field value reflects source document |
| xxxxxx | 843972 | xxxxxx | Original HLTV | 0 | 84.9952 | Verified | Field value reflects source document |
| xxxxxx | 844063 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844063 | xxxxxx | Cash From Borrower | 0.00 | 221762.70 | Verified | Field value reflects source document |
| xxxxxx | 844063 | xxxxxx | Original HLTV | 0 | 66.66667 | Verified | Field value reflects source document |
| xxxxxx | 844064 | xxxxxx | Property Type | Condotel | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844064 | xxxxxx | Cash From Borrower | 0.00 | 164245.83 | Verified | Field value reflects source document |
| xxxxxx | 844064 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38.66 | 36.6004 | Verified | Within tolerance |
| xxxxxx | 844064 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 844084 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844084 | xxxxxx | Cash From Borrower | 0.00 | 93471.55 | Verified | Field value reflects source document |
| xxxxxx | 844084 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844120 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 844120 | xxxxxx | Cash To Borrower | 0.00 | 1308.48 | Verified | Field value reflects source document |
| xxxxxx | 844120 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 844120 | xxxxxx | Original HLTV | 0 | 79.21488 | Verified | Field value reflects source document |
| xxxxxx | 844197 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 844197 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 844197 | xxxxxx | Borrower FTHB |  | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 844197 | xxxxxx | Cash From Borrower | 0.00 | 134693.77 | Verified | Field value reflects source document |
| xxxxxx | 844197 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41.9 | 33.59746 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 844197 | xxxxxx | Original HLTV | 0 | 89.9 | Verified | Field value reflects source document |
| xxxxxx | 844278 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844278 | xxxxxx | Cash To Borrower | 52632.00 | 54799.06 | Verified | Field value reflects source document |
| xxxxxx | 844278 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 844279 | xxxxxx | Cash From Borrower | 0.00 | 83899.52 | Verified | Field value reflects source document |
| xxxxxx | 844279 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844282 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844282 | xxxxxx | Cash To Borrower | 284967.00 | 283090.79 | Verified | Field value reflects source document |
| xxxxxx | 844282 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844283 | xxxxxx | Cash From Borrower | 0.00 | 371042.61 | Verified | Field value reflects source document |
| xxxxxx | 844283 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844286 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844286 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 844286 | xxxxxx | Cash From Borrower | 0.00 | 14290.24 | Verified | Field value reflects source document |
| xxxxxx | 844286 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844290 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844290 | xxxxxx | Cash From Borrower | 0.00 | 275082.75 | Verified | Field value reflects source document |
| xxxxxx | 844290 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844291 | xxxxxx | Cash From Borrower | 0.00 | 98373.48 | Verified | Field value reflects source document |
| xxxxxx | 844291 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844356 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 844356 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844356 | xxxxxx | Cash From Borrower | 0.00 | 502058.43 | Verified | Field value reflects source document |
| xxxxxx | 844356 | xxxxxx | Original HLTV | 0 | 69.99997 | Verified | Field value reflects source document |
| xxxxxx | 844369 | xxxxxx | Original HLTV | 0 | 79.89311 | Verified | Field value reflects source document |
| xxxxxx | 844372 | xxxxxx | Borrower SSN |  | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 844372 | xxxxxx | Cash To Borrower | 350162.00 | 350260.93 | Verified | Field value reflects source document |
| xxxxxx | 844372 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33.11 | 29.65607 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 844372 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844464 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 844470 | xxxxxx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 844470 | xxxxxx | Subject Debt Service Coverage Ratio | 1.77 | 1.91 | Verified | Field value reflects source document |
| xxxxxx | 844471 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844471 | xxxxxx | Investor: Qualifying Total Debt Ratio |  | 29.52738 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 844476 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844481 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 844491 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 844491 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844493 | xxxxxx | Property Type |  | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844499 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 844501 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 844502 | xxxxxx | Investor: Qualifying Total Debt Ratio | 61.576 | 45.41634 | Verified | Bid tape DTI is before payoffs |
| xxxxxx | 844567 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844567 | xxxxxx | Cash To Borrower | 190523.20 | 231014.08 | Verified | Field value reflects source document |
| xxxxxx | 844567 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 844701 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 844701 | xxxxxx | Cash From Borrower | 0.00 | 85073.90 | Verified | Field value reflects source document |
| xxxxxx | 844701 | xxxxxx | Original HLTV | 0 | 79.982 | Verified | Field value reflects source document |
| xxxxxx | 844707 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844707 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 844707 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 844707 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 844707 | xxxxxx | Cash From Borrower | 0.00 | 576239.39 | Verified | Field value reflects source document |
| xxxxxx | 844707 | xxxxxx | Original HLTV | 0 | 74.99728 | Verified | Field value reflects source document |
| xxxxxx | 844708 | xxxxxx | Cash From Borrower | 0.00 | 579157.74 | Verified | Field value reflects source document |
| xxxxxx | 844708 | xxxxxx | Investor: Qualifying Total Debt Ratio | 31.05 | 26.58708 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 844708 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844766 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 844766 | xxxxxx | Cash From Borrower | 0.00 | 460404.37 | Verified | Field value reflects source document |
| xxxxxx | 844766 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844775 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844775 | xxxxxx | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844775 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 844778 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 844778 | xxxxxx | Original P&I | 3001.60 | 3667.94 | Verified | Field Value reflects Note value |
| xxxxxx | 844872 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844872 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 844872 | xxxxxx | Cash From Borrower | 0.00 | 1118870.66 | Verified | Field value reflects source document |
| xxxxxx | 844872 | xxxxxx | Investor: Qualifying Total Debt Ratio | 36.938 | 26.76804 | Verified | 1008 approved at 26.767%. |
| xxxxxx | 844872 | xxxxxx | Original HLTV | 0 | 47.61905 | Verified | Field value reflects source document |
| xxxxxx | 844991 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 844991 | xxxxxx | Representative FICO | 735 | 750 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 844991 | xxxxxx | Cash To Borrower | 250000.00 | 260517.83 | Verified | Field value reflects source document |
| xxxxxx | 844991 | xxxxxx | Original HLTV | 0 | 49.01961 | Verified | Field value reflects source document |
| xxxxxx | 845007 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 845016 | xxxxxx | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845025 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 845085 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 845118 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845118 | xxxxxx | Original LTV | 76.95 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 845236 | xxxxxx | Cash To Borrower | 133822.00 | 133276.49 | Verified | Field value reflects source document |
| xxxxxx | 845239 | xxxxxx | Cash From Borrower | 0.00 | 138081.79 | Verified | Field value reflects source document |
| xxxxxx | 845239 | xxxxxx | Investor: Qualifying Total Debt Ratio | 26.59 | 31.41645 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845239 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 845243 | xxxxxx | Cash From Borrower | 0.00 | 288030.79 | Verified | Field value reflects source document |
| xxxxxx | 845243 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.22 | 48.36746 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845243 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 845247 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845247 | xxxxxx | Cash From Borrower | 0.00 | 138994.76 | Verified | Field value reflects source document |
| xxxxxx | 845247 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 845602 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 845602 | xxxxxx | Cash From Borrower | 0.00 | 184241.98 | Verified | Field value reflects source document |
| xxxxxx | 845602 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846036 | xxxxxx | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 846208 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846409 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846409 | xxxxxx | Cash From Borrower | 0.00 | 184494.13 | Verified | Field value reflects source document |
| xxxxxx | 846409 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846707 | xxxxxx | Cash From Borrower | 0.00 | 99504.49 | Verified | Field value reflects source document |
| xxxxxx | 846707 | xxxxxx | Original HLTV | 0 | 79.99996 | Verified | Field value reflects source document |

---

## Exhibit 99.3

**EXHIBIT 99.3**

**AMC Exception Grades**

![](tm25265941d1_ex99-3img001.gif)

**Exception Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **Kroll Initial Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** | **Scope** |
| xxxxxx | 819494 | xxxxxx | 34074395 | xxxxxx | 08/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Seller, xxxxxx. |  | Reviewer Comment (2025-08-08): Received updated Fraud report including the missing participant. Exception cleared. | 08/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 819494 | xxxxxx | 34074398 | xxxxxx | 08/01/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOR Part I 1. Name and address of landlord is blank. Also, provide most recent 6-month history (cancelled checks, rental statements including payment history, etc.). |  | Reviewer Comment (2025-08-11): Received VOR and 6 months history. Exception cleared. | 08/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 819494 | xxxxxx | 34081386 | xxxxxx | 08/01/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Real Estate Commission Sellers Broker | Payable party on the Borrower's CD lists TBD |  | Reviewer Comment (2025-08-01): Client elects to waive |  |  | 08/01/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833050 | xxxxxx | 33714933 | xxxxxx | 06/23/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property to the borrower only dated at or prior to closing. |  | Reviewer Comment (2025-08-05): Recording proof uploaded from website which investor is accepting per email.<br>Reviewer Comment (2025-07-22): Received Quitclaim Deed transferring the property to the borrower only that is not recorded. Provided recorded Quitclaim deed. Exception remains. | 08/05/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833050 | xxxxxx | 33715025 | xxxxxx | 06/23/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | The pre-close policy reflects a different lender for the mortgagee. There is a post-close policy in file which corrects this but post-close is not acceptable. |  | Reviewer Comment (2025-07-11): Per client, accepting mortgagee clause to be updated post-close but prior to purchase. | 07/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833112 | xxxxxx | 33479879 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-05-27): Received OFAC and SAM search for settlement agent. Exception cleared. | 05/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833599 | xxxxxx | 33666067 | xxxxxx | 06/19/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Please provide evidence of the new HELOC payment for the property on xxxxxx (1003 reflects a balance of $xxxxxx and estimated title fee invoice reflects $xxxxxx). |  | Reviewer Comment (2025-06-24): New Note and Final HUD provided | 06/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833599 | xxxxxx | 33695659 | xxxxxx | 06/19/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA: xxxxxx is part of the main address vs. City. |  | Reviewer Comment (2025-06-24): Updated CDA provided | 06/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833599 | xxxxxx | 33696452 | xxxxxx | 06/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-03): The GA provided was executed post-close. Per guidelines, must be executed at closing. Investor can elect to waive with verified compensation factors. |  |  | 07/03/2025 | 2 | D B | D B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833758 | xxxxxx | 33851097 | xxxxxx | 07/11/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject property housing history does not appear on credit report. Proof of borrower's payment for the most recent 6-months is required. VOM, Payoff Statement and Note for the review period to verify monthly payment amount provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-30): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-28): Received bank statement reflects payments to xxxxxx, the lump sum payments is made with other properties, please provide document to verify the bifurcation of the lump sum payments include the mortgage payments for subject property. Exception remains.<br>Reviewer Comment (2025-07-23): Received VOM, Flood Certificate and Appraisal. However, the document requested is for proof of borrower's payment for the most recent 6-months. Exception remains.<br>Reviewer Comment (2025-07-16): The same VOM was provided that was in file at time of review. Please review the original condition. Subject property housing history does not appear on credit report. Proof of borrower's payment for the most recent 6-months is required.<br>Reviewer Comment (2025-07-15): Received Payoff, VOM and Note that was already provided at the time of review. Please provide proof of borrower's payment for the most recent 6-months. Exception remains. |  |  | 07/30/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833758 | xxxxxx | 33879759 | xxxxxx | 07/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-07-28): Received Certificate of Good Standing. Exception cleared.<br>Reviewer Comment (2025-07-16): The COGS provided is for xxxxxx. The Borrowing Entity is xxxxxx. | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833758 | xxxxxx | 33879775 | xxxxxx | 07/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-07-28): Received Articles of Organization. Exception cleared.<br>Reviewer Comment (2025-07-16): Document provided is the OA for xxxxxx. The document requested is the Articles of Org/Formation for xxxxxx | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833758 | xxxxxx | 33891192 | xxxxxx | 07/11/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | All pages of the most recent appraisal dated xxxxxx has the pages cut off at the bottom. Provide the clear appraisal. |  | Reviewer Comment (2025-07-22): Clear appraisal provided<br>Reviewer Comment (2025-07-16): The appraisal dated xxxxxx is an update to the appraisal provided dated xxxxxx . The appraisal was provided in file for review and complete and clear copy is required. | 07/22/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833758 | xxxxxx | 33891223 | xxxxxx | 07/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Unpaid taxes noted in which the tax cert also reflects not paid and not paid through closing. |  | Reviewer Comment (2025-07-23): Final stamped settlement statement provided reflecting taxes paid<br>Reviewer Comment (2025-07-16): The document provided is an estimated settlement statement and not acceptable. The Final HUD provided in file does not reflect the taxes paid through closing. If this is incorrect, the final stamped settlement statement reflecting taxes paid through closing is required. | 07/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833823 | xxxxxx | 33456456 | xxxxxx | 05/16/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership and ownership % in xxxxxx. Funds limited to the borrower's ownership %. (Note: Inc is also listed as currently vested on title). |  | Reviewer Comment (2025-06-09): Received Corporation Resolution. Exception cleared.<br>Reviewer Comment (2025-05-28): The document provided is not for the business in question. | 06/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 833823 | xxxxxx | 33456461 | xxxxxx | 05/16/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage for the subject property does not report on credit with xxxxxx. Provide an additional 4 months of borrower's payment for 6 months total via bank statements/cancelled checks per guidelines. VOM, Mortgage Statement, Payoff, and Jan 2025 and Feb 2025 payments provided. |  | Reviewer Comment (2025-06-12): Received additional 4 months of borrower payments. Exception cleared.<br>Reviewer Comment (2025-06-09): Received VOM which was already in file. Provide an additional 4 months of borrower's payment for 6 months total via bank statements/cancelled checks per guidelines. Exception remains. | 06/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 833823 | xxxxxx | 33456491 | xxxxxx | 05/16/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Does not reflect Unit xxxxxx |  | Reviewer Comment (2025-06-04): Updated flood cert provided | 06/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 833823 | xxxxxx | 33456497 | xxxxxx | 05/16/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-05-30): Received Secondary valuation. Exception cleared.<br>Reviewer Comment (2025-05-28): No new documents received. Please try uploading again. | 05/30/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 833823 | xxxxxx | 33456560 | xxxxxx | 05/16/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Does not reflect Unit xxxxxx, only Unit xxxxxx. |  | Reviewer Comment (2025-06-11): Updated appraisal provided | 06/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 833823 | xxxxxx | 33458843 | xxxxxx | 05/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property from the xxxxxx to the borrowers at or prior to closing. |  | Reviewer Comment (2025-06-04): Deed provided<br>Reviewer Comment (2025-05-30): Received deed document is not for subject property. Exception remains.<br>Reviewer Comment (2025-05-28): No new documents received. Please try uploading again. | 06/04/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 833823 | xxxxxx | 33473754 | xxxxxx | 05/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is a grant deed in file dated xxxxxx that reflects at closing the borrower's re-vested the property under the Inc's name. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-12): The property profile report also reflects the same day for deeds. One to individuals and one to the LLC.<br>Reviewer Comment (2025-06-05): The loan closed xxxxxx There are two deeds in file dated xxxxxx and notarized xxxxxx One reflects current vested LLC to borrower and borrower to LLC. There is no indication of which was completed last. The loan closed in an individual.<br>Reviewer Comment (2025-05-28): The condition cannot be cleared as the deed is for the subject property. Upper left hand corner of deed. Both address and APN match. |  |  | 07/10/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 833823 | xxxxxx | 33473904 | xxxxxx | 05/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the approval, loan was reviewed to xxxxxx guidelines, however borrower has SSN numbers, xxxxxx credit and resides in the xxxxxx per the 1003. The guidelines do not have a program from Foreign Nationals living in the xxxxxx. |  | Reviewer Comment (2025-06-04): Updated 1003 with correct overseas primary, CPA letter with supporting evidence of ownership in overseas address, updated fraud report provided with overseas address and a look up of xxxxxx visa's which the borrower's hold are for visitors.<br>Reviewer Comment (2025-05-28): The updated 1003 does not clear this condition. Fraud report and credit were also run on US address as primary as well as fraud report reflects that primary is owned free and clear. | 06/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 833823 | xxxxxx | 33539703 | xxxxxx | 05/30/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Per CDA property address is xxxxxx, however as per Note document property address is xxxxxx. |  | Reviewer Comment (2025-06-09): Updated CDA provided<br>Reviewer Comment (2025-06-09): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Valuation Type: Desk Review / Valuation Report Date: xxxxxx  | 06/09/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 834391 | xxxxxx | 33888440 | xxxxxx | 07/16/2025 | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Number of Units on the Appraisal does not match the number of Units on the BPO. | Valuation Type: BPO / Valuation Report date: xxxxxx | Appraisal reflects units as xxxxxx and BPO reflects xxxxxx. |  | Reviewer Comment (2025-07-21): Updated BPO provided | 07/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 834391 | xxxxxx | 33933827 | xxxxxx | 07/16/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003. Per the VOR, borrower rents primary at a xxxxxx. |  | Reviewer Comment (2025-07-28): Updated 1003 provided | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 834783 | xxxxxx | 33765120 | xxxxxx | 07/01/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject property history is not reflecting in credit report. Payoff provided. Please provide the 12-months mortgage payment history to be documented, as follows: <br> Mortgage statement or Note for the review period to verify monthly payment amount, and<br> Proof of payments through one of the following:<br> 12-months cancelled checks, ACH payment, bank transfer/wire, or electronic payment method from the borrower<br> - Payments made in cash are not eligible, or<br> 12-months mortgage statements for the review period, or<br> 12-months loan payment history from the creditor/servicer<br> with proof of borrower's payment for the most recent 6-months is required, or<br> 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer<br> with proof of borrower's payment for the most recent 6-months is required | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-11): Client elect to waive with verified compensation factors<br>Reviewer Comment (2025-07-08): Received Property History Report, however please provide 12 months history to verify there was no past due in mortgage payments. Exception remains.<br>Reviewer Comment (2025-07-07): Please provide property history report and 12 months of mortgage payment to verify if there was no mortgage defaults. Exception remains. |  |  | 07/11/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 834783 | xxxxxx | 33765132 | xxxxxx | 07/01/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Deferred maintenance of $25,000 for average to fair exterior. 442 not provided. |  | Reviewer Comment (2025-07-03): 442 provided dated xxxxxx Per appraisal addendum, appraisal had revisions prior to xxxxxx requesting to change to subject to. | 07/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 834808 | xxxxxx | 33865099 | xxxxxx | 07/14/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject property housing history not on credit. VOM and Payoff provided. Per investor overlays and lender's guidelines, VOM completed by a private party much be supported by proof of borrower's payment for the most recent 6 months. xxxxxx is a hard money lender (private money). | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-07-31): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-29): xxxxxx is a private lender, they are non-bank entity that provides home loans using their own fund. Therefore, per investor overlays and lender's guidelines. Proof of borrower's payment for the most recent 6 months. Exception remains.<br>Reviewer Comment (2025-07-23): The lender rebuttal is not acceptable. Please review the original condition. The investor has overlays to the investor's guidelines which require VOM completed by a private party much be supported by proof of borrower's payment for the most recent 6 months. xxxxxx is a hard money lender (private money). |  |  | 07/31/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834808 | xxxxxx | 33917067 | xxxxxx | 07/14/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | The use of business assets for self-employed borrowers for down payment, reserves and closing costs are allowed. The borrowers on the loan must have 50% ownership of the business and must be the owners of the account. Access letters from the remaining owners of the business must be obtained as well. Access letter not provided by additional owner, xxxxxx. |  | Reviewer Comment (2025-07-25): Per client request, removed assets xxxxxx from closing funds and reserves. Not needed to qualify.<br>Reviewer Comment (2025-07-23): The document requested was for the Access letter for the xxxxxx Bank Account xxxxxx, where borrower is 50% owner of the business. Per guidelines, access letters from the remaining owners of the business must be obtained as well. Additional owner of business is xxxxxx. Exception remains. | 07/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834909 | xxxxxx | 33556474 | xxxxxx | 06/06/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2025-06-16): PDI received dated xxxxxx: No Damage |  |  | 06/16/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834909 | xxxxxx | 33561026 | xxxxxx | 06/06/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-06-17): Received Fraud report and OFAC run on settlement agent, xxxxxx. Exception cleared. | 06/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834909 | xxxxxx | 33581763 | xxxxxx | 06/06/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The business purpose & occupancy affidavit is not signed under borrower/borrower entity members. |  | Reviewer Comment (2025-07-21): Update signed cert provided with docusign.<br>Reviewer Comment (2025-07-21): Received document was already in file. Provide the completed cert or separate Business Purpose Cert. Exception remains.<br>Reviewer Comment (2025-06-16): A separate Occupancy Cert was only provided. The business purpose cert was not signed either and was combined with the occupancy cert at time of review. Provide the completed cert or separate Business Purpose Cert. | 07/21/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835209 | xxxxxx | 33822361 | xxxxxx | 07/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There are two different PPP addendums to the Note and Security Agreement in file for the subject property. PPP addendums to the Notes and Security Instrument executed by the borrower have different terms. Please advise which Note and Security agreement and which PPP are correct. Provide the LOE to borrower and evidence of delivery to the borrower on which is correct as well as a lender attestation that the correct one was sent for recording. |  | Reviewer Comment (2025-07-31): Lender attestation provided<br>Reviewer Comment (2025-07-29): The same documents were uploaded that were previously uploaded. Please review the comments from xxxxxx: The emails provided are not an attestation and there is alot of back and forth. As noted on xxxxxx, provide the lender attestation which rider was sent for recording.<br>Reviewer Comment (2025-07-28): The emails provided are not an attestation and there is alot of back and forth. As noted on xxxxxx, provide the lender attestation which rider was sent for recording.<br>Reviewer Comment (2025-07-25): Received LOE to borrower and evidence of delivery to the borrower. Pending receipt of lender attestation stating the xxxxxx xxxxxx was the one sent for recording. | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835209 | xxxxxx | 33822362 | xxxxxx | 07/08/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | An Undisclosed Debt Monitoring (UDM) report is required and dated no more than 10 days prior to closing date. Fraud Report reflects ordering error. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-08-05): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-31): Received UDM dated xxxxxx reflects Order Error and not information was provided, also received UDM dated xxxxxx is more than 10 days prior to closing date. Exception remains. |  |  | 08/05/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835272 | xxxxxx | 33781426 | xxxxxx | 06/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are underdisclosed (Final xxxxxx) | Page 4 does not have the estimated property costs over 1 year |  | Reviewer Comment (2025-07-16): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-07-09): SitusAMC received LOX. However, the Post CD provided is reflecting Non escrow property cost over year 1 as $xxxxxx. As per the document present in the file is reflecting Tax as $xxxxxx per year and insurance as $1009 per year which is not matching according to the property cost present in the file. Kindly provide supporting document for Tax which was used in calculation for non escrow property cost over year 1.<br>Reviewer Comment (2025-07-03): SitusAMC received corrected PCCD but missing LOE to borrower to accompanied CD. LOE is required to cure. |  | 07/16/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835272 | xxxxxx | 33781432 | xxxxxx | 06/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. (Final xxxxxx) | Page 1 does not reflect estimated taxes, insurance and assessements |  | Reviewer Comment (2025-07-16): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-07-03): SitusAMC received corrected PCCD but missing LOE to borrower to accompanied CD. LOE is required to cure. |  | 07/16/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835272 | xxxxxx | 33781433 | xxxxxx | 06/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (Final xxxxxx) | Page 4 does not have the estimated property costs over 1 year |  | Reviewer Comment (2025-07-09): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-07-03): SitusAMC received corrected PCCD but missing LOE to borrower to accompanied CD. LOE is required to cure. |  | 07/09/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835272 | xxxxxx | 33781435 | xxxxxx | 06/30/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Second Home not provided |  | Second Home Rider is missing for the subject transaction. The second home rider provided in file is for the previous transaction dated xxxxxx . |  | Reviewer Comment (2025-08-13): Received Second Home Rider, LOE to borrower, letter to re-record DOT and delivery to borrower. Exception cleared. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835272 | xxxxxx | 33784010 | xxxxxx | 06/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $35.00 exceeds tolerance of $25.00 plus 10% or $27.50. Insufficient or no cure was provided to the borrower. xxxxxx | 10% fee tolerance exceeded. Cure was not provided, however due to multiple violations, this will be addressed once all other violations are addressed. |  | Reviewer Comment (2025-07-23): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-07-16): SitusAMC received Post CD,LOX,Copy of refund check and proof of mailing. FedEx tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Reviewer Comment (2025-07-08): Required cure for 10% tolerance is $7.50 however, there is also open exception for 0% tolerance which requires cure of $620. A valid COC or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. |  | 07/23/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835272 | xxxxxx | 33784011 | xxxxxx | 06/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $2,115.00 exceeds tolerance of $1,495.00. Insufficient or no cure was provided to the borrower. (7325) | An increase in interest rate would not increase loan origination fees |  | Reviewer Comment (2025-07-23): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-07-16): SitusAMC received Post CD,LOX,Copy of refund check and proof of mailing. FedEx tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. |  | 07/23/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835272 | xxxxxx | 33797098 | xxxxxx | 06/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | SFD square footage < 700. Property is xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-27): Client elects to waive with verified compensation factors |  |  | 06/27/2025 | 2 | B | B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835272 | xxxxxx | 33797156 | xxxxxx | 06/30/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-27): Client elects to waive with verified compensation factors |  |  | 06/27/2025 | 2 | B | B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835350 | xxxxxx | 33574524 | xxxxxx | 06/09/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Please provide the updated 1003 for xxxxxx. Per the fraud report and mortgage statements in file, borrower is not owner of the primary residence. |  | Reviewer Comment (2025-06-20): Updated 1003 provided | 06/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835350 | xxxxxx | 33574573 | xxxxxx | 06/09/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The is a PUD rider attached to the DOT, however the appraisal does not reflect PUD nor HOA dues. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-03): Received LOE to borrower and Lender's LOI. The DOT was not corrected to remove the PUD rider from page 1. Provide the corrected and executed DOT and evidence of delivery to the borrower.<br>Reviewer Comment (2025-06-25): The LOE from title states the property is not in a PUD. Therefore, need the corrected and executed DOT removing the PUD rider, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. |  |  | 07/16/2025 | 2 | D B | D B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835350 | xxxxxx | 33583779 | xxxxxx | 06/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Page 1 of the Guarantor Agreement reflect xxxxxx as the Guarantor vs. the individual Guarantor names. |  | Reviewer Comment (2025-06-18): Received Guarantor Agreement reflecting Individual Guarantors names on page 1. Exception cleared. | 06/18/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835391 | xxxxxx | 33327726 | xxxxxx | 04/28/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance shows address as xxxxxx xxxxxx xxxxxx and Note has xxxxxx. |  | Reviewer Comment (2025-04-30): Updated HOI provided | 04/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835391 | xxxxxx | 33335472 | xxxxxx | 04/28/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1) 2022/2023 personal returns are not signed and dated by the borrower 2) The 2022/2023 business returns are signed but not dated by the borrower 3) 2024/2025 P&L's are not signed and dated by the borrower. All are guideline requirements. Transcripts cannot be accepted in lieu of. |  | Reviewer Comment (2025-04-30): Signed and dated business and personal returns provided along with signed and dated P&L's | 04/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835391 | xxxxxx | 33335507 | xxxxxx | 04/28/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification |  |  | Reviewer Comment (2025-05-01): Received 6 months payment ledger supporting business pays debt. Exception cleared. | 05/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835391 | xxxxxx | 33335509 | xxxxxx | 04/28/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide evidence of the 2nd lien P&I. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-05-05): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-02): Assigned to investor. The investor will need to advise if they are accepting the initial LE as proof of payment for the second P&I on property. Appears borrower is in the process of taking out a new second lien. It is not clear if things will change along the way which would increase the payment. If investor does not accept, condition will need to be waived with verified compensation factors or wait until second lien has funded as it is currently in the Doc Out stage (loan cleared to close on xxxxxx per lender screen shot)<br>Reviewer Comment (2025-05-01): Final 1003 application reflects 2nd lien with monthly payment $4,295.77 and Unpaid Balance of xxxxxx with account number xxxxxx. Exception remains. |  |  | 05/05/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835609 | xxxxxx | 33928397 | xxxxxx | 07/15/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The RCE provided reflects estimated cost is xxxxxx. Estimated cost new on appraisal is xxxxxx. HOI coverage is $xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-25): Client elects to waive with verified compensation factors |  |  | 07/25/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835609 | xxxxxx | 33928453 | xxxxxx | 07/15/2025 | Credit | Income | Income Error | Income | The total of Statement Period Months entered is less than the Qualifying Method entered of Most Recent 24 months. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx Statement Period Months provided: 23, | 24 months bank statements required and 23 months provided. Provide the statement ending 4/2023 or 4/2025. |  | Reviewer Comment (2025-07-17): Additional bank statement provided ending 4/2025 | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835609 | xxxxxx | 33928478 | xxxxxx | 07/15/2025 | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # of Bank Statements required. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx | 24 months bank statements required and 23 months provided. Provide the statement ending 4/2023 or 4/2025. |  | Reviewer Comment (2025-07-17): Additional bank statement provided ending 4/2025 | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835609 | xxxxxx | 33928479 | xxxxxx | 07/15/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing.<br> • Any new tradeline with a balance must be included in determining the DTI ratio. |  | Reviewer Comment (2025-07-28): Received Undisclosed Debt Notification report for borrower xxxxxx borrower xxxxxx. Exception cleared | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835609 | xxxxxx | 33928480 | xxxxxx | 07/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Provide Guarantor Agreement as it is missing in the file. |  | Reviewer Comment (2025-08-11): Received Guarantor Agreement. Exception cleared. | 08/11/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835627 | xxxxxx | 33447713 | xxxxxx | 05/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided |  | Rider was not provided not is a rider attached to the DOT. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-25): The documents provided are not acceptable. None of the emails are to or from the borrower. Investor advise if they are accepting the change and lender attesation in lieu of LOE to borrower and evidence of delivery to borrower. Assigned to investor.<br>Reviewer Comment (2025-06-24): Received corrected and executed DOT + assignments rider. Pending receipt of LOE to borrower, evidence of delivery to the borrower and lender's LOI. |  |  | 06/27/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835627 | xxxxxx | 33447714 | xxxxxx | 05/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-06-25): Received Business Purpose Certificate. Exception cleared. | 06/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835627 | xxxxxx | 33447715 | xxxxxx | 05/19/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  |  |  | Reviewer Comment (2025-06-25): Received Business Purpose Certificate. Exception cleared. | 06/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835627 | xxxxxx | 33448016 | xxxxxx | 05/19/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Second Mortgage for the borrower's primary residence does not appear on the credit report. Lien holder is xxxxxx Mortgage. Provide a 12 month mortgage history and copy of the Note. |  | Reviewer Comment (2025-05-22): Received Property History Report and Corrected 1003. Exception cleared. | 05/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835627 | xxxxxx | 33448054 | xxxxxx | 05/19/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-05-21): Received Fraud report and OFAC run on settlement agent, xxxxxx. Exception cleared. | 05/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835627 | xxxxxx | 33466975 | xxxxxx | 05/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title. There is a mortgage reflected that was not paid through closing. |  | Reviewer Comment (2025-05-21): Email from title stating item will not appear on the FTP | 05/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835683 | xxxxxx | 33290480 | xxxxxx | 04/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Required per guidelines, even for newly formed entities. |  | Reviewer Comment (2025-04-28): Received SOS Registration Status reporting the Business Active. Exception cleared.<br>Reviewer Comment (2025-04-28): Received Certificate of Filing which was already in file. Provide Certificate of Good Standing. Exception remains. | 04/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835683 | xxxxxx | 33290481 | xxxxxx | 04/22/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Business Loan Rider not provided |  | Reviewer Comment (2025-06-19): Received Business Loan Rider. Exception cleared. | 06/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835683 | xxxxxx | 33291661 | xxxxxx | 04/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided |  | Prepayment Rider does not list the borrowing business entity. Per investor, lender wants to drop the PPP. Provide the corrected and executed DOT removing the PPP, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-11): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-09): Per investor, lender wants to drop the PPP. Provide the corrected and executed DOT removing the PPP, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record.<br>Reviewer Comment (2025-07-01): The condition noted the PPP Rider did not contain the business entity on the signature line. The xxxxxx Affidavit provided on xxxxxx was for the Business Loan Rider not being included on the DOT, however it was included on the initial DOT. The PPP rider uploaded today on the recorded DOT still does not reflect the Entity on the signature line as well as the LOE to borrower, evidence of delivery to borrower and lender's LOI was not provided.<br>Reviewer Comment (2025-06-19): xxxxxx affidavit is for the business loan rider, however the file is missing Prepayment Rider to list the borrowing business entity. Exception remains. |  |  | 07/11/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835683 | xxxxxx | 33306665 | xxxxxx | 04/22/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | Not addressed |  | Reviewer Comment (2025-05-01): Received sam.gov and clearance LOE's. | 05/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835683 | xxxxxx | 33907324 | xxxxxx | 07/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2025-07-14): Client elects to waive. DI received dated xxxxxx. No Damage |  |  | 07/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835825 | xxxxxx | 34155479 | xxxxxx | 06/25/2025 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx | Spousal Consent form is missing in file. |  | Reviewer Comment (2025-06-30): Spousal Consent form is not required as vesting in LLC. Exception Cleared. | 06/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835825 | xxxxxx | 34155481 | xxxxxx | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing in file. |  | Reviewer Comment (2025-06-30): Received Certificate of Good Standing. Exception Cleared. | 06/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835825 | xxxxxx | 34155482 | xxxxxx | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | Spousal Consent Form is missing in file. |  | Reviewer Comment (2025-06-30): Spousal Consent Form is not required as vesting in LLC. Exception Cleared. | 06/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835825 | xxxxxx | 34155483 | xxxxxx | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | The Entity Certificate provided is not signed by the borrower. |  | Reviewer Comment (2025-07-21): Received Corporate Resolution. Exception Cleared.<br>Reviewer Comment (2025-07-03): Received operating agreement. Require corporate resolution signed by the borrower. Exception Remains.<br>Reviewer Comment (2025-06-30): Received amendment to operating agreement. Require Entity Certificate signed by the borrower. Exception Remains. | 07/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836013 | xxxxxx | 34019177 | xxxxxx | 07/29/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  | Reviewer Comment (2025-08-18): HOEPA P&Fs exception cured.<br>Reviewer Comment (2025-08-07): Undiscounted rate price of 1.57000% per disclosure tested. No fees are excludable.<br>Reviewer Comment (2025-08-04): No disclosures were provided. The undiscounted rate was provided of 8.5% but not the undiscounted rate price. to determine if any bonafide points qualify for exclusion. Provide evidence of the undiscounted rate price. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836013 | xxxxxx | 34019178 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.81146% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .81146%). Non-Compliant High Cost Loan. |  |  | Reviewer Comment (2025-08-18): SitusAMC received: Signed letter from borrower indicating their choice to accept refund and make loan non-high-cost, a copy of refund check and proof of mailing (in transit with courier).<br>Reviewer Comment (2025-08-12): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.82383% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .82383%). Non-Compliant High Cost Loan.<br>Reviewer Comment (2025-08-07): Undiscounted rate price of 1.57000% per disclosure tested. No fees are excludable.<br>Reviewer Comment (2025-08-07): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 6.87326% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of $9,639.14 or 1.87326%). Non-Compliant High Cost Loan.<br>Reviewer Comment (2025-08-07): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 6.84830% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or 1.84830%). Non-Compliant High Cost Loan.<br>Reviewer Comment (2025-08-04): The condition is not invalid. The undiscounted rate was provided of 8.5% but not the undiscounted rate price. to determine if any bonafide points qualify for exclusion. Provide evidence of the undiscounted rate price. |  | 08/18/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836013 | xxxxxx | 34019179 | xxxxxx | 07/29/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  | Reviewer Comment (2025-08-18): HOEPA P&Fs exception cured.<br>Reviewer Comment (2025-08-07): Undiscounted rate price of 1.57000% per disclosure tested. No fees are excludable. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836013 | xxxxxx | 34019180 | xxxxxx | 07/29/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) xxxxxx High-Cost Loan (Aggregate Payment Disclosure Not Provided) | xxxxxx High-Cost Loan: Borrower not provided with Aggregate Monthly Payment Disclosure statement. |  |  | Reviewer Comment (2025-08-18): xxxxxx P&Fs exception cured.<br>Reviewer Comment (2025-08-12): All fees have been retested, and the exception remains.<br>Reviewer Comment (2025-08-07): Lender's rebuttal is not acceptable. Final CD provided post review. New curable amount is $12,916.97. Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836013 | xxxxxx | 34019182 | xxxxxx | 07/29/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) xxxxxx High-Cost Loan (Consumer Caution and Home Ownership Counseling Notice Not Provided) | xxxxxx High-Cost Loan: Borrower not provided with Consumer Caution and Home Ownership Counseling Notice. |  |  | Reviewer Comment (2025-08-18): xxxxxx P&Fs exception cured.<br>Reviewer Comment (2025-08-07): Lender's rebuttal is not acceptable. Final CD provided post review. New curable amount is xxxxxx. Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836013 | xxxxxx | 34019183 | xxxxxx | 07/29/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) xxxxxx High-Cost Loan (Counseling Disclosure Not Provided) | xxxxxx High-Cost Loan: Counseling Disclosure not provided to borrower. |  |  | Reviewer Comment (2025-08-18): xxxxxx P&Fs exception cured.<br>Reviewer Comment (2025-08-07): Lender's rebuttal is not acceptable. Final CD provided post review. New curable amount is xxxxxx. Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836013 | xxxxxx | 34019184 | xxxxxx | 07/29/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) xxxxxx High-Cost Loan (High Cost Legend Not on Mortgage) | xxxxxx High-Cost Loan: Mortgage does not contain legend advising loan is high-cost. |  |  | Reviewer Comment (2025-08-18): xxxxxx P&Fs exception cured.<br>Reviewer Comment (2025-08-07): Lender's rebuttal is not acceptable. Final CD provided post review. New curable amount is xxxxxx. Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836013 | xxxxxx | 34019185 | xxxxxx | 07/29/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) xxxxxx High-Cost Loan (Shop Around Notice Not on Loan Application) | xxxxxx High-Cost Loan: Mandatory "Shop Around" Notice not included on loan application to applicant. |  |  | Reviewer Comment (2025-08-18): xxxxxx P&Fs exception cured.<br>Reviewer Comment (2025-08-07): Lender's rebuttal is not acceptable. Final CD provided post review. New curable amount is xxxxxx. Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836013 | xxxxxx | 34019186 | xxxxxx | 07/29/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) xxxxxx High-Cost Loan (Disclosure of Taxes and Insurance Not Provided) | xxxxxx High-Cost Loan: Disclosure of Taxes and Insurance not provided to borrower. |  |  | Reviewer Comment (2025-08-18): xxxxxx P&Fs exception cured.<br>Reviewer Comment (2025-08-07): Lender's rebuttal is not acceptable. Final CD provided post review. New curable amount is xxxxxx. Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836013 | xxxxxx | 34019187 | xxxxxx | 07/29/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) xxxxxx High-Cost Loan (Points and Fees) | xxxxxx Anti-Predatory Lending Statute: Points and Fees on subject loan of 7.38203% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total xxxxxx on a Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or 2.38203%). Non-Compliant High Cost Loan. |  |  | Reviewer Comment (2025-08-18): SitusAMC received within 30 days of closing: Signed letter from borrower indicating their choice to accept refund and make loan non-high-cost, a copy of refund check and proof of mailing (in transit with courier).<br>Reviewer Comment (2025-08-12): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: xxxxxx Anti-Predatory Lending Statute: Points and Fees on subject loan of 7.39203% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total xxxxxx on a Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or 2.39203%). Non-Compliant High Cost Loan.<br>Reviewer Comment (2025-08-07): Lender's rebuttal is not acceptable. Final CD provided post review. New curable amount is xxxxxx. Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted.<br>Reviewer Comment (2025-08-07): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: xxxxxx Anti-Predatory Lending Statute: Points and Fees on subject loan of 7.04481% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total xxxxxx on a Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or 2.04481%). Non-Compliant High Cost Loan. |  | 08/18/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836013 | xxxxxx | 34019212 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $516,680.26 is over disclosed by $240.00 compared to the calculated Amount Financed of $516,440.26 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 xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed an amount financed of $859,266.83; calculated amount financed is $859,506.83. Variance is -$240.00. |  | Reviewer Comment (2025-08-07): Final CD provided. See updated conditions. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836013 | xxxxxx | 34019213 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $859,266.83 is under disclosed by $240.00 compared to the calculated Finance Charge of $859,506.83 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $859,266.83; calculated finance charge is $859,506.83. Variance is -$240.00. |  | Reviewer Comment (2025-08-07): Final CD provided. See updated conditions. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836013 | xxxxxx | 34019221 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final xxxxxx) | Seller CD reflects seller paid fees of $27,227.82 and the Borrowers Final CD reflects the seller paid fees of $0.00 |  | Reviewer Comment (2025-08-07): Final CD provided. See updated conditions. | 08/07/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836013 | xxxxxx | 34032642 | xxxxxx | 07/29/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $40,000.00. Provide updated policy reflecting minimum coverage of $xxxxxx OR provide copy of insurer's replacement cost estimate supporting current coverage amount. RCE that was provided is not dated. |  | Reviewer Comment (2025-08-04): RCE provided and email from agent. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836013 | xxxxxx | 34065362 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $536.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7755) | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $536.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7755) |  | Reviewer Comment (2025-08-05): SitusAMC received final CD | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836013 | xxxxxx | 34138425 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,290.00 exceeds tolerance of $970.00 plus 10% or $1,067.00. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx | Sufficient cure provided at closing |  | Reviewer Comment (2025-08-05): Sufficient Cure Provided At Closing |  | 08/05/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836013 | xxxxxx | 34163581 | xxxxxx | 08/07/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final xxxxxx) | Fees do not match. |  | Reviewer Comment (2025-08-12): SitusAMC received new final CD. | 08/12/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836013 | xxxxxx | 34163584 | xxxxxx | 08/07/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $514,734.26 is over disclosed by $169.00 compared to the calculated Amount Financed of $514,565.26 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 xxxxxx). (Final xxxxxx) | The disclosed Amount Financed in the amount of $514,734.26 is over disclosed by $169.00 |  | Reviewer Comment (2025-08-12): SitusAMC received new final CD. | 08/12/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836013 | xxxxxx | 34163585 | xxxxxx | 08/07/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $861,212.83 is under disclosed by $169.00 compared to the calculated Finance Charge of $861,381.83 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | he disclosed Finance Charge in the amount of $861,212.83 is under disclosed by $169.00 |  | Reviewer Comment (2025-08-12): SitusAMC received new final CD. | 08/12/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836025 | xxxxxx | 33638185 | xxxxxx | 06/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-07-08): Received Operating Agreement. Exception cleared. | 07/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A B |  | N/A | No | Property Focused |
| xxxxxx | 836025 | xxxxxx | 33638192 | xxxxxx | 06/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Property Seller, xxxxxx. |  | Reviewer Comment (2025-07-08): Received Fraud and OFAC searches run on Property Seller, xxxxxx. Exception cleared. | 07/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A B |  | N/A | No | Property Focused |
| xxxxxx | 836025 | xxxxxx | 33662219 | xxxxxx | 06/17/2025 | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The appraisal revealed property damage. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Inspection Report: Failed sealed noted on xxxxxx, xxxxxx, various xxxxxx, pointed xxxxxx were used to xxxxxx which can cause safety issues, xxxxxx. Investor to advise if they are accepting. |  | Reviewer Comment (2025-07-11): Per client email, they reviewed and will be ok with the documentation as presented. Confirmation from all parties were received showing recommended repair items completed. Occupancy Cert issued by city/county. Furthermore, the appraisal was completed post the home inspection and appraiser did not call out any issues. Requested clearance.<br>Reviewer Comment (2025-07-09): The LOE form the borrower and a purchase contract addendum to not trump the inspection report. There no evidence via licensed inspector anything was completed as well all repairs were not noted. Assigned to investor if accepting. | 07/11/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A B |  | N/A | No | Property Focused |
| xxxxxx | 836235 | xxxxxx | 33458250 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-06-25): Received Business Purpose Certificate. Exception cleared. | 06/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836235 | xxxxxx | 33458251 | xxxxxx | 05/20/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  |  |  | Reviewer Comment (2025-06-25): Received Business Purpose Certificate. Exception cleared. | 06/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836235 | xxxxxx | 33458253 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2025-05-21): Final stamped SS provided | 05/21/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836235 | xxxxxx | 33474305 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | There are two deeds in file signed and dated and notarized all on the same day. One is from the borrower to the trust and one is from the trust to the borrower. No evidence of which was provided last. Loan closed in an individual. |  | Reviewer Comment (2025-07-14): Received recorded deed property transferring to individual. Exception cleared. | 07/14/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836332 | xxxxxx | 33863459 | xxxxxx | 07/08/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Property was withdrawn from being listed as of xxxxxx with last list price xxxxxx. Loan closed xxxxxx which is just shy of 6 months. Properties listed for sale within the past 6 months require a 3 year PPP. Loan does not have a PPP. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-07-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-09): The document provided is only executed by the borrower. The realtor/broker did not execute this so there is no way of determining if the broker received/agreed/or terminated the listing on that day. |  |  | 07/17/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836332 | xxxxxx | 33863612 | xxxxxx | 07/08/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 672 is less than Guideline representative FICO score of 680. | Investor exception in file | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-07-08): Client elects to waive with verified compensation factors |  |  | 07/08/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836332 | xxxxxx | 33863633 | xxxxxx | 07/08/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. |  | Reviewer Comment (2025-07-10): RCE provided | 07/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836332 | xxxxxx | 33962431 | xxxxxx | 07/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2025-07-21): Client elects to waive. CDAIR received dated xxxxxx : No Damage |  |  | 07/21/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836332 | xxxxxx | 34011020 | xxxxxx | 07/22/2025 | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | Borrower does not meet the minimum 720 FICO for an escrow waiver. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>| Reviewer Comment (2025-07-23): Client elects to waive with verified compensation factors |  |  | 07/23/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836332 | xxxxxx | 34011022 | xxxxxx | 07/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per investor email, allowing escrows to be removed post-close. Provide the updated final stamped settlement statement removing escrows, refund of escrows collected to borrower, proof of escrow account cancellation, LOE to borrower and evidence of delivery to borrower. |  | Reviewer Comment (2025-07-28): Tracking reflects delivered<br>Reviewer Comment (2025-07-25): Received copy of check and stamped settlement statement. Mailing label received just reflects label created. Must reflect at minimum in transit.<br>Reviewer Comment (2025-07-25): The updated settlement statement needs to be signed / stamped certified which reflects the removal of escrows along with evidence of the full wire sent to borrower with the escrow refund needs to be provided as the escrows were removed post close.<br>Reviewer Comment (2025-07-23): Received LOE to borrower and escrow waiver form. Still pending receipt of updated final stamped settlement statement removing escrows, refund of escrows collected to borrower, proof of escrow account cancellation and evidence of delivery to the borrower. | 07/28/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836332 | xxxxxx | 34020747 | xxxxxx | 07/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per investor allowing a PPP to be added post-close as requested by Seller. Provide the executed PPP addendum to the Note, updated 1003 adding PPP, LOE to borrower, and evidence of delivery to the borrower. |  | Reviewer Comment (2025-07-24): Received LOE to borrower, LOI and evidence of delivery to borrower.<br>Reviewer Comment (2025-07-23): Received corrected and executed Note, executed PPP addendum to the Note, corrected and executed DOT adding in a rider, executed PPP rider. Pending receipt of LOE to borrower for addition of PPP, evidence of delivery to the borrower and now lender's LOI since PPP rider was added to the DOT. | 07/24/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836803 | xxxxxx | 33640251 | xxxxxx | 06/18/2025 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-06-20): Flood cert provided | 06/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836803 | xxxxxx | 33640253 | xxxxxx | 06/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-07-01): Received updated Fraud report and OFAC search run for the seller. Exception cleared.<br>Reviewer Comment (2025-06-23): Received updated Fraud Report, fraud and OFAC search is run on the selling entity, instead on individual name. Please provide Fraud and OFAC search run on the seller, xxxxxx. Exception remains. | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836803 | xxxxxx | 33640255 | xxxxxx | 06/18/2025 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding prepayment penalty / terms. |  | Per guidelines, a fixed percentage of no less than 3% is allowed for the PPP. PPP reflects 2%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-02): Client elects to waive with verified compensation factors |  |  | 07/02/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836884 | xxxxxx | 33641859 | xxxxxx | 06/18/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI reflects xxxxxx Unit xxxxxx vs Note xxxxxx. |  | Reviewer Comment (2025-07-01): Received updated HOI policy matching the Note address. Exception cleared. | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836884 | xxxxxx | 33641863 | xxxxxx | 06/18/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-07-03): FTP provided | 07/03/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836884 | xxxxxx | 33641866 | xxxxxx | 06/18/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISA vs ISAOA. |  | Reviewer Comment (2025-07-01): Received updated HOI policy reflecting the complete Mortgagee Clause. Exception cleared. | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836884 | xxxxxx | 33674957 | xxxxxx | 06/18/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Appraisal & CDA xxxxxx Unit xxxxxx vs Note xxxxxx. |  | Reviewer Comment (2025-07-08): Updated CDA provided<br>Reviewer Comment (2025-07-01): Received updated Appraisal report matching the Note address. Updated CDA report is still pending. Exception remains. | 07/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836884 | xxxxxx | 33674965 | xxxxxx | 06/18/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Provide evidence of ownership and ownership % in xxxxxx. Refinance HUD for assets reflects this Entity as the owner. Assets limited to the borrowers ownership %. |  | Reviewer Comment (2025-06-24): Received Operating Agreement. Exception cleared. | 06/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836884 | xxxxxx | 33674979 | xxxxxx | 06/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Blanket lien on title. |  | Reviewer Comment (2025-07-03): Clear FTP provided | 07/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837013 | xxxxxx | 33632897 | xxxxxx | 06/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  |  |  | Reviewer Comment (2025-07-08): Bylaws provided<br>Reviewer Comment (2025-06-27): The CPA LOE was already in file at time of review and reviewed. The guidelines do not say a CPA letter is acceptable in lieu of. Bylaws are required. | 07/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837013 | xxxxxx | 33632898 | xxxxxx | 06/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Must contain all participants |  | Reviewer Comment (2025-06-25): Received full Fraud Report. All parties to the transaction are included in the Fraud and OFAC searches. Exception cleared. | 06/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837013 | xxxxxx | 33632899 | xxxxxx | 06/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2025-06-27): Tax Cert provided | 06/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837013 | xxxxxx | 33632911 | xxxxxx | 06/17/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  | Reviewer Comment (2025-06-25): Received full Fraud Report. All parties to the transaction are included in the Fraud and OFAC searches. Exception cleared. | 06/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837013 | xxxxxx | 33632933 | xxxxxx | 06/17/2025 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  | Refinance Transactions: Evidence the policy expiration date is at least 30 days beyond the Note date. Current policy expires xxxxxx . |  | Reviewer Comment (2025-06-24): Updated policy provided | 06/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837013 | xxxxxx | 33663353 | xxxxxx | 06/17/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Application incorrectly shows borrower as a Permanent Resident Alien. Provide a corrected application to show correct status as Non-Permanent Resident Alien per docs in file. |  | Reviewer Comment (2025-06-27): Updated 1003 provided | 06/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837013 | xxxxxx | 33664784 | xxxxxx | 06/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the primary residence is free and clear. |  | Reviewer Comment (2025-07-01): Received property history report for primary residence evidencing the property is free & clear. Exception cleared.<br>Reviewer Comment (2025-07-01): Received Property History Report from xxxxxx however it does not reflect mortgage details. Provide Property History Report to verify property is free and clear. Exception remains.<br>Reviewer Comment (2025-06-24): The VOM provided is for the subject property. Please review the original condition. Provide evidence the primary residence is free and clear. | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837079 | xxxxxx | 33793854 | xxxxxx | 07/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx signed the Note as both Individually and xxxxxx as well as executed the DOT as a Settlor. No credit documents were provided for xxxxxx. Per the Data Entry Proof Sheet, xxxxxx was only supposed to be a Title Only xxxxxx vs. obligator. The Note and DOT were executed incorrectly. |  | Reviewer Comment (2025-08-01): The Modification that the borrower signed indicates the exact reasoning for it therefore, can substitute as an LOE to borrower as well.<br>Reviewer Comment (2025-07-30): Received LOI. LOE to borrower is requirement for the cure provisions.<br>Reviewer Comment (2025-07-28): xxxxxx was provided, Note modification and mailing label provided which reflects delivered. Pending receipt of LOE to borrower and lender's LOI. | 08/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837079 | xxxxxx | 33808294 | xxxxxx | 07/02/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-07-08): UDM provided for xxxxxx | 07/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837079 | xxxxxx | 33808321 | xxxxxx | 07/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-07-03): Approval provided | 07/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837079 | xxxxxx | 33809742 | xxxxxx | 07/02/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-07-09): SitusAMC received CD dated xxxxxx  | 07/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837079 | xxxxxx | 33809760 | xxxxxx | 07/02/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-07-17): E-consent provided | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837079 | xxxxxx | 33811008 | xxxxxx | 07/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, borrower, xxxxxx, was not included in the searches. |  | Reviewer Comment (2025-08-01): Received SAM document. Exception cleared.<br>Reviewer Comment (2025-08-01): Requested document was not received. Provide GSA. Exception remains.<br>Reviewer Comment (2025-07-30): Received OFAC and LDP. Provide GSA. Exception remains.<br>Reviewer Comment (2025-07-28): xxxxxx is still signing as xxxxxx as a trust therefore still requires a fraud and ofac run | 08/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837079 | xxxxxx | 33822441 | xxxxxx | 07/02/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Field Review not provided |  | If the enhanced desk review product reflects a value more than 10% below the appraised value or cannot provide a validation, the file must include either a field review or a second appraisal. The lower qualifying CDA was used to qualify. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-08): Client elects to waive with verified compensation factors |  |  | 07/08/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837106 | xxxxxx | 33515771 | xxxxxx | 05/30/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $126,752.29 is less than Cash From Borrower $133,735.85. | The 1003 reflects the xxxxxx account xxxxxx has $104,572.29 in funds, however ending balance as of xxxxxx is $7,072.29. The account reflects a debt of $xxxxxx on xxxxxx which matches the EMD. However, there is an additional debit of $xxxxxx on xxxxxx that was not documented via wire or other documentation supporting this is for closing funds for this transaction. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-07-30): Client elects to waive with verified compensation factors |  |  | 07/30/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837106 | xxxxxx | 33515779 | xxxxxx | 05/30/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. | The 1003 reflects the xxxxxx account xxxxxx has $104,572.29 in funds, however ending balance as of xxxxxx is $7,072.29. The account reflects a debt of $xxxxxx on xxxxxx which matches the EMD. However, there is an additional debit of $xxxxxx on xxxxxx that was not documented via wire or other documentation supporting this is for closing funds for this transaction. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-07-30): Client elects to waive with verified compensation factors |  |  | 07/30/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837112 | xxxxxx | 33674937 | xxxxxx | 06/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2025-06-30): Tax Cert provided<br>Reviewer Comment (2025-06-29): The tax cert provided is not for the subject property.<br>Reviewer Comment (2025-06-26): The document provided is not acceptable nor for the subject property. We need to know what the tax rate is to appropriately calculate new purchase taxes. | 06/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837112 | xxxxxx | 33707393 | xxxxxx | 06/20/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | First time investor's require the DSCR to be > 1.00. DSCR calculated out is 0.98. Tax Cert provided with millage rate for State, County and City. Total 9.05. xxxxxx/year in taxes. The lender utilized taxes from a notice provided but it was not for the subject property. DSCR < 1.00 |  | Reviewer Comment (2025-07-07): A breakdown of the mileage rate, reflecting that it should be 63.50 and not 9.05, was provided.<br>Reviewer Comment (2025-07-02): The documentation is not acceptable and is based off the actual tax rates provided for xxxxxx. Also, as noted to investor, the highlighted $1,357.44/annual is for a property located at xxxxxx. Taxes collected based off another similar property located near or in the county of the subject property is not acceptable.<br>Reviewer Comment (2025-06-30): Re-opened condition due to tax cert provided post-close. Tax Cert provided with millage rate for State, County and City. Total 9.05. $200,000 x 9.05 / 1,000 = $1,810/year in taxes. The lender utilized taxes from a notice provided but it was not for the subject property. DSCR < 1.00<br>Reviewer Comment (2025-06-23): The DSCR is over 1% | 07/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837112 | xxxxxx | 33809547 | xxxxxx | 06/30/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 79.87500% exceeds Guideline loan to value percentage of 75.00000%. | Tax Cert provided with millage rate for State, County and City. Total 9.05. xxxxxx/year in taxes. The lender utilized taxes from a notice provided but it was not for the subject property. DSCR < 1.00 and max LTV is 75%. |  | Reviewer Comment (2025-07-07): A breakdown of the mileage rate, reflecting that it should be 63.50 and not 9.05, was provided.<br>Reviewer Comment (2025-07-02): The documentation is not acceptable and is based off the actual tax rates provided for xxxxxx. Also, as noted to investor, the highlighted $1,357.44/annual is for a property located at xxxxxx. Taxes collected based off another similar property located near or in the county of the subject property is not acceptable. | 07/07/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837117 | xxxxxx | 34011067 | xxxxxx | 07/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Page 4 does not reflect a reason why an escrow account was not established. |  | Reviewer Comment (2025-08-07): SitusAMC Received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-07-31): SitusAMC received Corrected CD. Missing copy of LOE to borrower which accompanied the PCCD to finalize cure. |  | 08/07/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837117 | xxxxxx | 34030444 | xxxxxx | 07/28/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The most recent appraisal with a completion date of xxxxxx reflects property is in a PUD, yet the DTI does not have a PUD rider attached. Provide the corrected and executed DOT adding in the PUD rider, executed PUD rider, LOE to borrower, evidence of delivery to borrower and lender's LOI. |  | Reviewer Comment (2025-08-14): Received email to borrower and delivery to borrower. Exception cleared.<br>Reviewer Comment (2025-08-13): Received email to borrower does not have the reason for recording of mortgage. Therefore provide LOE to borrower and evidence of delivery to borrower. Exception remains.<br>Reviewer Comment (2025-08-12): Received Executed PUD Rider, corrected DOT, lender's intent to re-record. However missing LOE to borrower and evidence of delivery to borrower. Exception remains. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837117 | xxxxxx | 34047327 | xxxxxx | 07/28/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | VVOE is not dated within 10 business days prior to the Note date for xxxxxx. |  | Reviewer Comment (2025-07-30): VVOE provided | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837117 | xxxxxx | 34047349 | xxxxxx | 07/28/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | VVOE is not dated within 10 business days prior to the Note date for xxxxxx. |  | Reviewer Comment (2025-07-30): VVOE provided | 07/30/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837117 | xxxxxx | 34047350 | xxxxxx | 07/28/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | VVOE is not dated within 10 business days prior to the Note date for xxxxxx. |  | Reviewer Comment (2025-07-30): VVOE provided | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837120 | xxxxxx | 34156142 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | The file is missing rate lock agreement. |  | Reviewer Comment (2025-08-14): The client elects to waive. |  |  | 08/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837120 | xxxxxx | 34156145 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $25,000.00 exceeds tolerance of $21,000.00. Insufficient or no cure was provided to the borrower. (7200) | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $25,000.00 exceeds tolerance of $21,000.00. Insufficient or no cure was provided to the borrower. File did not contain a valid COC or rate lock. |  | Reviewer Comment (2025-08-20): SitusAMC received LE and CDs along with the COC.<br>Reviewer Comment (2025-08-18): SitusAMC received NO additional LEs or CDs in trailing docs. Please provide missing LE and CDs to review the exception.<br>Reviewer Comment (2025-08-13): SitusAMC received changed circumstance dated xxxxxx and xxxxxx , but a corresponding xxxxxx was not provided. Also, received COC dated xxxxxx and Discount point fee increased on CD dated xxxxxx to $25000 which is outside 3 days timeline. Please provide corresponding xxxxxx for COC dated xxxxxx and xxxxxx . Also provide Valid COC for discount point fee increased on CD dated xxxxxx to $25000. | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837120 | xxxxxx | 34156147 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | No choice made why there is not an escrow account on page 4 of the CD. |  | Reviewer Comment (2025-08-18): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-08-14): SitusAMC received PCCD. Missing LOE to borrower. |  | 08/18/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837120 | xxxxxx | 34156148 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | An initial CD was not provided to Borrower(s) at least three (3) business days prior to closing. |  | Reviewer Comment (2025-08-13): SitusAMC received xxxxxx CD 3 business days prior to consummation. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837120 | xxxxxx | 34159515 | xxxxxx | 08/11/2025 | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date xxxxxx , Note Date xxxxxx | Blanket policy expired xxxxxx continued until terminated box not checked. Renewal not located in the file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-08-14): The client elects to waive. |  |  | 08/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837120 | xxxxxx | 34159528 | xxxxxx | 08/11/2025 | Credit | Insurance | Insurance Analysis | Insurance | Flood Insurance Policy expires within 90 days of the Note Date. | Flood Insurance Policy Expiration Date xxxxxx ; Note Date xxxxxx | Blanket policy expired xxxxxx renewal not in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-08-14): The client elects to waive. |  |  | 08/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837120 | xxxxxx | 34159652 | xxxxxx | 08/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, HOA must be conveyed to the unit owners. No devloper or builder controlled projects allowed. Per HOA questionairre, HOA has not been turned over to unit owners. Anticipated date TBD. |  | Reviewer Comment (2025-08-14): An email from the xxxxxx indicates that the HOA was transferred to the unit owners on xxxxxx. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837181 | xxxxxx | 33475514 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided |  | Rider not provided and DOT does not include rider. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reviewer Comment (2025-06-24): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-18): Received recorded reaffirmation, re-execution and re-acknowledgment disclosure signed by the borrower and notarized and executed assignments of leases and rents. Pending receipt of LOE to borrower and evidence of delivery to the borrower. Also, investor to advise if they are accepting reaffirmation vs. updated and re-recorded DOT. |  |  | 06/24/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 837181 | xxxxxx | 33475515 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-06-17): Received Business Purpose Certificate. Exception cleared. | 06/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 837181 | xxxxxx | 33475516 | xxxxxx | 05/22/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  |  |  | Reviewer Comment (2025-06-17): Received Business Purpose Certificate. Exception cleared.<br>Reviewer Comment (2025-05-27): The guidelines do require a business purpose cert which was not provided in file. Once that is provided, then this condition will also be addressed. | 06/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 837181 | xxxxxx | 33496468 | xxxxxx | 05/22/2025 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 | Note date: xxxxxx; Lien Position: 1 | ARR reflects indeterminate value. A higher tiered product must be provided to support value. Another desk review will not be acceptable (i.e. field review, second appraisal or 2055E). |  | Reviewer Comment (2025-07-10): ARR reviewer updated the ARR based on updated appraisal provided. Value supported. | 07/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 837299 | xxxxxx | 33492000 | xxxxxx | 05/27/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Prepayment Rider |  | Reviewer Comment (2025-05-30): Received PPP rider. exception cleared. | 05/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837299 | xxxxxx | 33492046 | xxxxxx | 05/27/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-06-04): FTP provided | 06/04/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837299 | xxxxxx | 33495933 | xxxxxx | 05/27/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | 1) Housing history for the borrower's primary residence does not appear on credit report.. Property history report reflects a mortgage taken on xxxxxx for $xxxxxx. Provide proof property is Free and clear or Mortgage statement or Note for the review, 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer and Proof of borrower's payment for the most recent 6-months is required. 2) Housing history for subject not on credit. VOM, Payoff, and Note provided. 6 months borrower pay history not provided. There is a lender exception in file. Investor to approve. |  | Reviewer Comment (2025-07-18): Received additional 6 months bank statement to verify mortgage payment receipt. Exception cleared.<br>Reviewer Comment (2025-07-09): All documents received for subject property. Received mortgage statement and 6 months bank statements for the primary residence. Pending receipt of an additional 6 months statements for 12 month history, 12 month VOM or 12 month servicer pay history.<br>Reviewer Comment (2025-06-25): Provided full property profile report that still reflects borrower and non-borrower as the owner as of 2012, the mortgage is in the same of both borrower and non-borrower on 2015 with an assignment of mortgage on 2018. However, an assignment of mortgage alone does not transfer the mortgage solely to another individual. An assignment of mortgage transfers the lender's rights and obligations to a new lender, not to a new borrower. To transfer the mortgage to a new borrower, it must be assumed, which usually requires the lender's approval and the new borrower qualifying for the loan. So if the borrower is no obligated to the loan, we would need the Note to prove that. Also, subject property information was not provided either. Verus can elect to waive with verified compensation factors. | 07/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837299 | xxxxxx | 33495983 | xxxxxx | 05/27/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide Quit claim Deed to borrower from xxxxxx |  | Reviewer Comment (2025-05-30): Received special warranty deed verifying grantor xxxxxx. exception cleared. | 05/30/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837299 | xxxxxx | 33495995 | xxxxxx | 05/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. There is a blanket mortgage on the title. |  | Reviewer Comment (2025-06-04): Clear FTP provided | 06/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837299 | xxxxxx | 33507284 | xxxxxx | 05/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Final CD reflects a disbursement date prior to closing. Provide the final stamped settlement statement to support if the disbursement date in incorrect on the Final CD. |  | Reviewer Comment (2025-07-21): PC-CD stamped final certified provided<br>Reviewer Comment (2025-07-09): As previously noted, a PC-CD with Final added to the top is not sufficient. If the disbursement date is incorrect on the Final CD, provide the final stamped settlement statement from title to support.<br>Reviewer Comment (2025-06-24): Condition cannot be waived. Please review the original condition. The Final CD reflects a disbursement date prior to closing. Provide the final stamped settlement statement to support if the disbursement date in incorrect on the Final CD. A PC-CD is a lender generated document and not acceptable. | 07/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837303 | xxxxxx | 33515620 | xxxxxx | 05/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide clear title Policy. There is a blanket mortgage on the title. |  | Reviewer Comment (2025-06-05): Clear FTP provided | 06/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837303 | xxxxxx | 33515656 | xxxxxx | 05/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property History Report reflects a mortgage on the borrower's primary residence taken in xxxxxx for $xxxxxx Provide proof subject is free and clear or Mortgage statement or Note for the review period to verify monthly payment amount, 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer and proof of borrower's payment for the most recent 6-months is required. Lender exception in file. Investor must approve. |  | Reviewer Comment (2025-07-16): Additional 6 months bank statements provided<br>Reviewer Comment (2025-07-09): Received mortgage statement and 6 months bank statements. Pending receipt of an additional 6 months statements for 12 month history, 12 month VOM or 12 month servicer pay history.<br>Reviewer Comment (2025-06-25): The provided full property profile report that still reflects borrower and non-borrower as the owner as of 2012, the mortgage is in the same of both borrower and non-borrower on 2015 with an assignment of mortgage on 2018. However, an assignment of mortgage alone does not transfer the mortgage solely to another individual. An assignment of mortgage transfers the lender's rights and obligations to a new lender, not to a new borrower. To transfer the mortgage to a new borrower, it must be assumed, which usually requires the lender's approval and the new borrower qualifying for the loan. So if the borrower is no obligated to the loan, we would need the Note to prove that. Verus can elect to waive with verified compensation factors. | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837303 | xxxxxx | 33515671 | xxxxxx | 05/30/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-06-05): FTP provided | 06/05/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837303 | xxxxxx | 33519476 | xxxxxx | 05/30/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history for subject property does not appear on credit report. Provide proof of borrower's payment for the most recent 6-months and VOM. Note and mortgage payoff provided. Lender exception in file only for 6 month housing history. Investor must approve. |  | Reviewer Comment (2025-07-22): Received VOM for subject property. Exception cleared.<br>Reviewer Comment (2025-06-25): Received proof of borrower's payment for the most recent 6-months. Pending receipt of VOM. Exception remains. | 07/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837303 | xxxxxx | 33535643 | xxxxxx | 05/30/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide Quit-Claim Deed from the current vested LLC to the borrower. |  | Reviewer Comment (2025-06-02): Deed provided | 06/02/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837303 | xxxxxx | 33535651 | xxxxxx | 05/30/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Property was listed for sale within the past 6 months which requires a 3 year PPP. The loan only has a 1 year PPP per the Rider in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-06-24): Client elects to waive with verified compensation factors |  |  | 06/24/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837312 | xxxxxx | 33501340 | xxxxxx | 05/28/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history for subject property does not appear on credit report. (1) Provide 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer (2) Proof of borrower's payment for the most recent 6-months is required. Copy of Note and payoff were provided. |  | Reviewer Comment (2025-07-22): Received VOM for subject property. Exception cleared.<br>Reviewer Comment (2025-06-25): Received proof of borrower's payment for the most recent 6-months. Pending receipt of 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer. Exception remains. | 07/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837312 | xxxxxx | 33501342 | xxxxxx | 05/28/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing History for the Borrowers primary residence does not appear on credit report. Property History report reflects a mortgage taken on xxxxxx for xxxxxx Provide proof property is Free & Clear or Mortgage statement or evidence of housing history (Note or Mortgage statement, 12 month VOM by creditor/servicer, and borrower 6 month pay history). |  | Reviewer Comment (2025-07-18): Received 12 months bank statement to verify borrower's primary residence history. Exception cleared.<br>Reviewer Comment (2025-07-14): Received Bank Statement which reflects both borrower and non-borrower names on the statement. Provide Note to prove that borrower is not obligated. Exception remains.<br>Reviewer Comment (2025-06-25): Provided full property profile report that still reflects borrower and non-borrower as the owner as of 2012, the mortgage is in the same of both borrower and non-borrower on 2015 with an assignment of mortgage on 2018. However, an assignment of mortgage alone does not transfer the mortgage solely to another individual. An assignment of mortgage transfers the lender's rights and obligations to a new lender, not to a new borrower. To transfer the mortgage to a new borrower, it must be assumed, which usually requires the lender's approval and the new borrower qualifying for the loan. So if the borrower is no obligated to the loan, we would need the Note to prove that. Verus can elect to waive with verified compensation factors. | 07/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837312 | xxxxxx | 33501354 | xxxxxx | 05/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide Clear Title Policy. There is a Blanket Mortgage on the Title. |  | Reviewer Comment (2025-06-05): Clear FTP provided<br>Reviewer Comment (2025-06-03): The Warranty Deed with the mortgage deed X'ed out does not clear this condition. Provide the clear title policy or clear final title policy. | 06/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837312 | xxxxxx | 33501359 | xxxxxx | 05/28/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-06-05): FTP provided | 06/05/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837314 | xxxxxx | 33491780 | xxxxxx | 05/27/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-06-11): FTP provided | 06/11/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837314 | xxxxxx | 33495690 | xxxxxx | 05/27/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | 1) Housing history for the borrower's primary residence does not appear on credit report.. Property history report reflects a mortgage taken on xxxxxx for $xxxxxx. Provide proof property is Free and clear or Mortgage statement or Note for the review, 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer and Proof of borrower's payment for the most recent 6-months is required. 2) Housing history for subject not on credit. VOM, Payoff, and Note provided. 6 months borrower pay history not provided. There is a lender exception in file. Investor to approve. |  | Reviewer Comment (2025-07-18): Received 12 months bank statement to verify borrower's primary residence history. Exception cleared.<br>Reviewer Comment (2025-07-11): Received bank statement is jointly owned by borrower, therefore provide Note document to verify borrower is not liable for mortgage payment for borrower's primary residence. 6 months of cancelled checks provided for subject property. Exception remains.<br>Reviewer Comment (2025-06-25): Provided full property profile report that still reflects borrower and non-borrower as the owner as of 2012, the mortgage is in the same of both borrower and non-borrower on 2015 with an assignment of mortgage on 2018. However, an assignment of mortgage alone does not transfer the mortgage solely to another individual. An assignment of mortgage transfers the lender's rights and obligations to a new lender, not to a new borrower. To transfer the mortgage to a new borrower, it must be assumed, which usually requires the lender's approval and the new borrower qualifying for the loan. So if the borrower is no obligated to the loan, we would need the Note to prove that. Also, subject property information was not provided either. Verus can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-06-18): Received 12-months loan payment history from the creditor/servicer is for the property located at xxxxxx. However the document requested is for borrower's primary property located at xxxxxx and for subject located at xxxxxx. Therefore provide document as requested on the original condition. Exception remains. | 07/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837314 | xxxxxx | 33495762 | xxxxxx | 05/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. There is a blanket mortgage on the title. |  | Reviewer Comment (2025-06-11): Clear FTP provided<br>Reviewer Comment (2025-05-30): The Warranty Deed with vendor's lien crossed out is not acceptable. The clear title policy must be provided. | 06/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837314 | xxxxxx | 33507188 | xxxxxx | 05/27/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Property was listed for sale on xxxxxx and recently cancelled on xxxxxx . Last/lowest list price was xxxxxx which is lower than the appraised value. Per guideline, if listed within the past 6 months, the lower of the last/lowest list price or appraised value should be utilized. Higher appraised vale was utilized. (Loan is C/O due to blanket lien on title). |  | Reviewer Comment (2025-06-03): Updated 1008 provided utilizing lowest list price | 06/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837314 | xxxxxx | 33507281 | xxxxxx | 05/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Final CD reflects a disbursement date prior to closing. Provide the final stamped settlement statement to support if the disbursement date in incorrect on the Final CD. |  | Reviewer Comment (2025-07-21): PC-CD provided stamped certified by the title company<br>Reviewer Comment (2025-06-26): The documents provided is not acceptable. No other document will be acceptable outside of the final stamped settlement statement from title verifying the disbursement date. A funding worksheet nor a PC-CD will suffice nor an un-executed Final CD updating the date.<br>Reviewer Comment (2025-06-24): The documents provided is not acceptable. No other document will be acceptable outside of the final stamped settlement statement from title verifying the disbursement date.<br>Reviewer Comment (2025-06-19): Another CD was provided with the issue date removed and the final CD signature page attached. You can see the dates at the bottom of each CD is xxxxxx and xxxxxx As previously noted in the original condition and previous comments on 6/11, the final stamped settlement statement from title must be provided to support the actual disbursement date.<br>Reviewer Comment (2025-06-11): The document provided with the updated disbursement date is a PC-CD with the word Final at the top which is not acceptable. A PC-CD is a lender generated document. Per the original condition, provide the final stamped settlement statement to support if the disbursement date in incorrect on the Final CD. | 07/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837382 | xxxxxx | 33501415 | xxxxxx | 05/28/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing History for the Borrowers primary residence does not appear on credit report. Property History report reflects a mortgage taken on xxxxxx for xxxxxx Provide proof property is Free & Clear or Mortgage statement or Note for the review, 12 months verification of mortgage form(VOM)completed by the creditor/<br> servicer and Proof of borrower's payment for the most recent 6-months is required. |  | Reviewer Comment (2025-07-21): Received additional bank statement. Exception cleared.<br>Reviewer Comment (2025-07-18): Received additional bank statements; however, December 2024 Bank statement is missing. Provide December 2024 Bank statement to verify payment receipt. Exception remains.<br>Reviewer Comment (2025-07-09): Received mortgage statement and 6 months bank statements for the primary residence. Pending receipt of an additional 6 months statements for 12 month history, 12 month VOM or 12 month servicer pay history.<br>Reviewer Comment (2025-06-25): Provided full property profile report that still reflects borrower and non-borrower as the owner as of 2012, the mortgage is in the same of both borrower and non-borrower on 2015 with an assignment of mortgage on 2018. However, an assignment of mortgage alone does not transfer the mortgage solely to another individual. An assignment of mortgage transfers the lender's rights and obligations to a new lender, not to a new borrower. To transfer the mortgage to a new borrower, it must be assumed, which usually requires the lender's approval and the new borrower qualifying for the loan. So if the borrower is no obligated to the loan, we would need the Note to prove that. Verus can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-06-02): Received Title commitment which was already in file. Provide proof property is Free & Clear or Mortgage statement or Note for the review, 12 months verification of mortgage form (VOM) completed by the creditor/ servicer and Proof of borrower's payment for the most recent 6-months is required. Exception remains | 07/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837382 | xxxxxx | 33501417 | xxxxxx | 05/28/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history for subject property does not appear on credit report. Provide Proof of borrower's payment for the most recent 6-months is required. VOM, Payoff statement and Note were provided. |  | Reviewer Comment (2025-06-25): Received 6 months cancelled checks. Exception cleared.<br>Reviewer Comment (2025-06-02): Received Title commitment which was already in file. Provide proof of borrower's payment for the most recent 6-months is required. Exception remains. | 06/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837382 | xxxxxx | 33501421 | xxxxxx | 05/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide Clear Title Policy. There is a Blanket Mortgage on the Title. |  | Reviewer Comment (2025-06-03): Clear FTP provided | 06/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837382 | xxxxxx | 33501445 | xxxxxx | 05/28/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-06-03): FTP provided | 06/03/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837529 | xxxxxx | 33497200 | xxxxxx | 05/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full fraud report not provided. Must contain all participants. |  | Reviewer Comment (2025-07-14): Received full Fraud Report. Fraud and OFAC search run on all participants. Exception cleared. | 07/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A B |  | N/A | No | Property Focused |
| xxxxxx | 837529 | xxxxxx | 33497202 | xxxxxx | 05/28/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-07-10): BP cert provided | 07/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A B |  | N/A | No | Property Focused |
| xxxxxx | 837529 | xxxxxx | 33497207 | xxxxxx | 05/28/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2025-07-10): GA provided | 07/10/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A B |  | N/A | No | Property Focused |
| xxxxxx | 837529 | xxxxxx | 33497208 | xxxxxx | 05/28/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-07-17): Articles provided<br>Reviewer Comment (2025-07-11): The Articles provided are not for the borrowing entity. | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A B |  | N/A | No | Property Focused |
| xxxxxx | 837529 | xxxxxx | 33497872 | xxxxxx | 05/28/2025 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  | The blanket policy expired on xxxxxx . |  | Reviewer Comment (2025-07-17): Updated blanket and cert of liability provided | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A B |  | N/A | No | Property Focused |
| xxxxxx | 837529 | xxxxxx | 33497966 | xxxxxx | 05/28/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 670 is less than Guideline representative FICO score of 680. | Minimum 680 FICO for < 1.00 DSCR and LTV up to 70% on a purchase transaction. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-06-30): Client elects to waive with verified compensation factors |  |  | 06/30/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A B |  | N/A | No | Property Focused |
| xxxxxx | 837529 | xxxxxx | 33520679 | xxxxxx | 05/28/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | Per the appraisal, the property is Tenant Occupied. Per guidelines, the 1007 must reflect actual rents and be within 120% of the estimated market rents. |  | Reviewer Comment (2025-07-17): Updated 1007 provided | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A B |  | N/A | No | Property Focused |
| xxxxxx | 837529 | xxxxxx | 33520758 | xxxxxx | 05/28/2025 | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The appraisal revealed property damage. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Structural Engineering report noted significant xxxxxx. Please refer to inspection report for details. Investor to advise if they are accepting. |  | Reviewer Comment (2025-06-30): Per client email, accepting the re-inspection affidavit completed by original inspector since it satisfied the inspection and re-certification was granted with no additional issues noted on appraisal that they can see. Requested clearance.<br>Reviewer Comment (2025-06-27): Re-inspection affidavit provided reflecting xxxxxx completed but does not give a xxxxxx. Further, the full xxxxxx report has additional issues not addressed. Assigned to investor to advise if they are accepting as-is with re- inspection affidavit.<br>Reviewer Comment (2025-06-18): The attached does not clear this condition. If the lender has the cert from the city that all repairs have been completed as stated in the report, it must be provided for review. If anything was not completed, this would require an exception. | 06/30/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A B |  | N/A | No | Property Focused |
| xxxxxx | 837536 | xxxxxx | 33838941 | xxxxxx | 07/10/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOMs are required on the subject property for any mortgages. 12 month mortgage statements and payoff provided. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-22): Client elects to waive with verified compensation factors |  |  | 07/22/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837536 | xxxxxx | 33885257 | xxxxxx | 07/10/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Note signature does not list the borrowing entity, only guarantor. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-10): Client elects to waive with verified compensation factors |  |  | 07/10/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837536 | xxxxxx | 33885312 | xxxxxx | 07/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan closed in an Entity and the DOT + Riders (except the PPP rider) do not have the Borrowing Entity listed on the signature line, only Guarantor name. Provide the corrected and executed DOT + Riders, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. |  | Reviewer Comment (2025-08-04): Received corrected and recorded DOT + Riders, LOE to borrower and evidence of delivery to borrower | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837613 | xxxxxx | 33727580 | xxxxxx | 06/27/2025 | Compliance | Compliance | State Compliance | State Defect | xxxxxx SB 1894 | xxxxxx (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  | Reviewer Comment (2025-07-01): Cert of compliance/exemption provided | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837613 | xxxxxx | 33727581 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $212,683.03 is over disclosed by $248.95 compared to the calculated Amount Financed of $212,434.08 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 xxxxxx). (Final xxxxxx) | The disclosed Amount Financed in the amount of $212,683.03 is over disclosed by $248.95 compared to the calculated Amount Financed of $212,434.08 |  | Reviewer Comment (2025-08-15): SitusAMC received additional attestation on sufficient services and purpose for AMC fee to meet 4c7 exclusion.<br>Reviewer Comment (2025-08-11): Per the LOA, the appraisal includes APR and Non-APR service. Please provide documentation of the listed services for review and allocation. SitusAMC will be happy to re-test the loan when received.<br>Reviewer Comment (2025-07-25): The MERS Registration fee is a Finance Charge. This fee is required for the extension of credit and would not be found in a smiliar cash transaction. Regarding the AMC fee, The AMC portion could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges. Cure would be Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $248.95, proof of mailing and proof of reopening of rescission to all consumers as this is material disclosure violation on a rescindable transaction. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837613 | xxxxxx | 33727582 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $475,043.87 is under disclosed by $248.95 compared to the calculated Finance Charge of $475,292.82 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Finance Charge in the amount of $475,043.87 is under disclosed by $248.95 compared to the calculated Finance Charge of $475,292.82 |  | Reviewer Comment (2025-08-15): SitusAMC received additional attestation on sufficient services and purpose for AMC fee to meet 4c7 exclusion.<br>Reviewer Comment (2025-08-11): Per the LOA, the appraisal includes APR and Non-APR service. Please provide documentation of the listed services for review and allocation. SitusAMC will be happy to re-test the loan when received.<br>Reviewer Comment (2025-07-25): The MERS Registration fee is a Finance Charge. This fee is required for the extension of credit and would not be found in a smiliar cash transaction. Regarding the AMC fee, The AMC portion could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges. Cure would be Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $248.95, proof of mailing and proof of reopening of rescission to all consumers as this is material disclosure violation on a rescindable transaction. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837613 | xxxxxx | 33727583 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,641.20 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount was not disclosed on the Loan Estimate, but was disclosed as $1,641.20 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 $1,641.20, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-07-22): SitusAMC received COC dated xxxxxx .<br>Reviewer Comment (2025-07-21): "SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the discount fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br> "<br>Reviewer Comment (2025-07-10): SitusAMC received COC dated xxxxxx stating loan amount increased which is not a valid reason since the loan amount is constant from LE dated xxxxxx to CD dated xxxxxx for $xxxxxx Kindly pro0vide a valid reason as to why the fee increased on CD dated xxxxxx for $1641.20 or provide cure Docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | 07/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837613 | xxxxxx | 33727584 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $4,400.00 exceeds tolerance of $3,000.00. Insufficient or no cure was provided to the borrower. (7325) | Loan Origination Fee was last disclosed as $3,000.00 on the Loan Estimate, but was disclosed as $4,400.00 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 $1,400.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-07-21): SitusAMC Received Valid COC dated xxxxxx .<br>Reviewer Comment (2025-07-10): SitusAMC received COC dated xxxxxx stating new property information was learned which is not a valid reason for the fee increased on LE dated xxxxxx .Kindly provide a valid reason as to why the fee increased on LE dated xxxxxx or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | 07/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837613 | xxxxxx | 33727585 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | Appraisal Desk Review Fee was not disclosed on the Loan Estimate, but was disclosed as $165.00 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 $165.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-07-02): SitusAMC: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. | 07/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837613 | xxxxxx | 33727586 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $770.00 exceeds tolerance of $550.00. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee was last disclosed as $550.00 on the Loan Estimate, but was disclosed as $770.00 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 $220.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-07-22): SitusAMC received COC dated xxxxxx .<br>Reviewer Comment (2025-07-21): SitusAMC received changed circumstance dated xxxxxx , but a corresponding xxxxxx was not provided. Please provide xxxxxx for further analysis. | 07/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837613 | xxxxxx | 33727587 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $92.00 exceeds tolerance of $59.00. Insufficient or no cure was provided to the borrower. (7520) | Credit Report Fee was last disclosed as $59.00 on the Loan Estimate, but was disclosed as $92.00 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 $33.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-07-02): SitusAMC: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. | 07/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837613 | xxxxxx | 33727642 | xxxxxx | 06/27/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Title Search in file. |  |  | Reviewer Comment (2025-07-01): Updated late dated title search provided | 07/01/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837613 | xxxxxx | 34013527 | xxxxxx | 07/22/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7505) |  |  | Reviewer Comment (2025-07-22): Sufficient Cure Provided At Closing |  | 07/22/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837613 | xxxxxx | 34013528 | xxxxxx | 07/22/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $92.00 exceeds tolerance of $59.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-07-22): Sufficient Cure Provided At Closing |  | 07/22/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837614 | xxxxxx | 33523950 | xxxxxx | 06/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-06-03): Received Approval with Eligibility Review & conditions. Exception cleared. | 06/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837614 | xxxxxx | 33526071 | xxxxxx | 06/02/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property the LLC. |  | Reviewer Comment (2025-07-24): Received recorded deed. Exception cleared.<br>Reviewer Comment (2025-06-23): Received deed transferring the property the LLC is not recoded. Provide recoded deed. Exception remains.<br>Reviewer Comment (2025-06-19): No new document was received. Provide the document as requested on the original condition. Exception remains. | 07/24/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837640 | xxxxxx | 33520275 | xxxxxx | 06/02/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing |  | Reviewer Comment (2025-06-11): Policy in effect at time of closing updated<br>Reviewer Comment (2025-06-10): The condition cannot be waived. It does not make a difference if the premium changed. Please review comments form xxxxxx The policy is a new policy prepared xxxxxx which is post close with increased coverage and premiums, of which was not escrowed at closing. The old policy was escrowed at closing.<br>Reviewer Comment (2025-06-09): The policy is a new policy prepared xxxxxx which is post close with increased coverage and premiums, of which was not escrowed at closing. The old policy was escrowed at closing. | 06/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837640 | xxxxxx | 33542157 | xxxxxx | 06/02/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Citizen Status not provided |  | If the EAD will expire within six (6) months of loan application, it is acceptable to obtain a letter from the employer documenting the borrower's continued employment and continued EAD renewal, Form I-765 with approval status, Form I-797, I797A, I-797B or I-797CT with approval status. The I-797 provided was for the expired EAD card dated from xxxxxx xxxxxx xxxxxx and only extends until xxxxxx (which matches the current EAD card). |  | Reviewer Comment (2025-07-24): Received xxxxxx website reflecting granting for automatic extension for 540 days. Exception cleared.<br>Reviewer Comment (2025-07-23): Received Form I-797C, Notice of Action, borrower filed for extension. Please provide document from xxxxxx website reflecting granting for automatic extension for 540 days. Exception remains.<br>Reviewer Comment (2025-07-01): Per guidelines if an extension was filed and granted it must be documented in file. As well as the investor overlays to their internal guidelines state Sellers must monitor the xxxxxx website (www.xxxxxx.gov) to ensure temporary immigration benefits<br> are still in effect and have not been vacated. Documentation this has been extended and still in effect is required.<br>Reviewer Comment (2025-06-30): Received invoice for filing of Form I-765. Provide Form I-765 to verify the information and provide (xxxxxx) to verify EAD is automatically extended for up to 540 days. Exception remains. | 07/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837640 | xxxxxx | 33542208 | xxxxxx | 06/02/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history for the subject property does not appear on credit. Copy of Note, VOM, Mortgage Statement and borrower's 6 month pay history provided. Provide a copy of the payoff. Further, the Note reflects matured on xxxxxx xxxxxx. Provide the extension. |  | Reviewer Comment (2025-07-23): Received extension of maturity date. Exception cleared.<br>Reviewer Comment (2025-06-30): Received Payoff Statement, however, the document requested is for extension agreement for the subject property, since the Note reflects loan matured on xxxxxx xxxxxx. Exception remains.<br>Reviewer Comment (2025-06-09): The payoff via email was provided again. The previous comments on xxxxxx is requesting the extension as the maturity date on the Note reflects xxxxxx xxxxxx.<br>Reviewer Comment (2025-06-06): Received email from lender with payoff details and wire instructions. Further, the Note reflects matured on xxxxxx xxxxxx. Provide the extension. Exception remains. | 07/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837640 | xxxxxx | 33542241 | xxxxxx | 06/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title has xxxxxx in the address vs. all other documents which do not. |  | Reviewer Comment (2025-06-09): Endorsement to title provided | 06/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837649 | xxxxxx | 33804031 | xxxxxx | 07/02/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Lease Agreement | Per guidelines, fully executed lease agreement is required when rental income is used to qualify. Not provided for the property on xxxxxx. |  | Reviewer Comment (2025-07-30): Received Lease agreement. Exception clear.<br>Reviewer Comment (2025-07-07): Condition cannot be waived. Per guidelines, fully executed lease agreement (75% of gross rent will be used) is required for each property that is being rented. Along with one of the following: Appraisal 1007, 2 months rental income receipt proof, or security deposit and first month rent. Does not say concurrent purchases are exempt. | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837649 | xxxxxx | 33827617 | xxxxxx | 07/02/2025 | Compliance | Compliance | Federal Compliance | TILA | TILA - Impermissible Prepayment Penalty | Truth in Lending Act (Dodd-Frank 2014): Covered transaction contains impermissible prepayment penalty. | Borrower is paying off a personal IRS tax lien through closing that does not appear on title. Personal debt. Loan is a Consumer Purpose Investment loan in which a PPP is not allowed. |  | Reviewer Comment (2025-08-12): A Note with no PPP and letter to the borrower with proof of delivery was provided.<br>Reviewer Comment (2025-08-12): The Client needs to review.<br>Reviewer Comment (2025-07-17): A PC-CD removing the PPP is not a PPP modification. The PPP modification needs to be provided removing the PPP from the loan, along with evidence of delivery to the borrower (tracking reflects label created only). | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837649 | xxxxxx | 33827618 | xxxxxx | 07/02/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender xxxxxx ID, Contact Name, Contact xxxxxx ID). (Final xxxxxx) | LO xxxxxx not provided on Final CD |  | Reviewer Comment (2025-07-07): Cured on xxxxxx CD prior to TPR review |  | 07/07/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 837649 | xxxxxx | 33827620 | xxxxxx | 07/02/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepayment Penalty Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xxxxxx with a prepayment payment disclosed the maximum prepayment penalty amount that does not match the actual maximum amount for the loan. (Final xxxxxx) | PPP terms differ on Final CD than on Note addendum. |  | Reviewer Comment (2025-07-02): Client elects to waive |  |  | 07/02/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 837649 | xxxxxx | 33877738 | xxxxxx | 07/09/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Property on xxxxxx is newly refinanced. Provide evidence of the new PITIA. |  | Reviewer Comment (2025-07-11): Received Note, Closing Disclosure and Hazard Insurance document. Exception cleared.<br>Reviewer Comment (2025-07-09): Received new loan to review for DD on xxxxxx and loan closed xxxxxx | 07/11/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837649 | xxxxxx | 33877778 | xxxxxx | 07/09/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | PPP addendum to the Note does not reflect the Trust, only individual. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-09): Client elects to waive |  |  | 07/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837872 | xxxxxx | 33952070 | xxxxxx | 07/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-30): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-28): GA agreement was executed post close. Per guidelines, must be signed at closing |  |  | 07/30/2025 | 2 | D B | D B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837872 | xxxxxx | 33970283 | xxxxxx | 07/18/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Loan closed in an Entity but the Note and PPP addendum to the Note signature only shows the individuals' names. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-18): Client elects to waive |  |  | 07/18/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837872 | xxxxxx | 33970304 | xxxxxx | 07/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan closed in an Entity, but the Security Instrument + Riders signature only shows the individuals' names. Please provide a corrected Security Instrument + Riders, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. |  | Reviewer Comment (2025-08-04): Evidence of delivery provided<br>Reviewer Comment (2025-07-30): Received LOE to borrower and LOI. Evidence will need to be provided borrower was given a copy or an email with documents attached are acceptable as well.<br>Reviewer Comment (2025-07-28): Received corrected and executed DOT + Riders. Pending receipt of LOE to borrower, evidence of delivery to borrower and lender's LOI. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837872 | xxxxxx | 33971329 | xxxxxx | 07/18/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Provide the source of the large deposit for $411,489.05 into account xxxxxx. |  | Reviewer Comment (2025-07-28): Received source of large deposit. Exception cleared. | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837872 | xxxxxx | 33971429 | xxxxxx | 07/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Operating Agreement for the Borrowing LLC |  | Reviewer Comment (2025-08-04): Borrowing Cert provided which is allowed per guidelines in lieu of OA.<br>Reviewer Comment (2025-08-04): A CPA letter is not acceptable in place of the OA. Either the OA needs to be provided or the Borrowing Cert.<br>Reviewer Comment (2025-08-01): Received Mortgage, 1-4 Family Rider, Prepayment Rider. However, the document requested is for Operating Agreement for the Borrowing LLC. Exception remains.<br>Reviewer Comment (2025-07-30): Received Borrowing Certificate does not reflect the ownership percentage of business. Exception remains. | 08/04/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838070 | xxxxxx | 33626981 | xxxxxx | 06/12/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1) 2023/2024 signed and dated business returns not provided for B2 and business transcripts were not provided. 2) YTD P&L is through xxxxxx . Application date is xxxxxx . YTD P&L needs to be through xxxxxx per guidelines. |  | Reviewer Comment (2025-08-04): Signed and dated business returns provided<br>Reviewer Comment (2025-07-14): Received signed and dated P&L updated through xxxxxx Did not receive signed and dated business returns by the borrower. CPA only signed them. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C A | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838070 | xxxxxx | 33627098 | xxxxxx | 06/12/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to missing income documents |  | Reviewer Comment (2025-08-04): Received xxxxxx xxxxxx business bank statement. Exception cleared.<br>Reviewer Comment (2025-07-14): Received signed and dated P&L updated through xxxxxx Did not receive signed and dated business returns by the borrower. CPA only signed them. | 08/04/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838070 | xxxxxx | 33627099 | xxxxxx | 06/12/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to missing income documents |  | Reviewer Comment (2025-08-04): Received xxxxxx xxxxxx business bank statement. Exception cleared.<br>Reviewer Comment (2025-07-14): Received signed and dated P&L updated through xxxxxx Did not receive signed and dated business returns by the borrower. CPA only signed them. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C A | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838070 | xxxxxx | 33629452 | xxxxxx | 06/12/2025 | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The appraisal revealed property damage. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Structural Report: Less than substantial xxxxxx was observed in the following locations: xxxxxx. Investor to advise if accepting. |  | Reviewer Comment (2025-06-26): Per client email confirmation, accepting report as-is as it appears to be all xxxxxx and the inspector also notes that they are less than substantial, and no substantial structure deterioration was observed. | 06/26/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Second Home | Purchase | C A | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838080 | xxxxxx | 34022231 | xxxxxx | 07/29/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage accounts not reporting on the credit report for Subject xxxxxx. VOM and Payoff provided. 1). Provide Proof of borrower's payment for the most recent 6-months is required. 2). Provide Copy of the Note and mortgage statement for the review period are required. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-05): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-08-01): The exception provided is for the borrower's 6 month pay history only and does not include a copy of the Note or Mortgage Statement. The DOT cannot be accepted in lieu of. Provide a copy of the Note or Mortgage statement or updated exception for waiver |  |  | 08/05/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838080 | xxxxxx | 34060392 | xxxxxx | 07/29/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Investor Exception - Allow use of Appraised value for loan Vs purchase price plus documented improvement | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-28): Client elects to waive with verified compensation factors |  |  | 07/28/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838080 | xxxxxx | 34060533 | xxxxxx | 07/29/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property to the Borrowing LLC. |  | Reviewer Comment (2025-08-05): Deed provided<br>Reviewer Comment (2025-08-01): Received Commercial Mortgage, however requested documents was not provided. Exception remains. | 08/05/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838112 | xxxxxx | 34149800 | xxxxxx | 08/11/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-08-14): Received E-sign Consent agreement. Exception cleared. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838112 | xxxxxx | 34149912 | xxxxxx | 08/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-08-20): Received gap credit report. Exception cleared. | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838112 | xxxxxx | 34150088 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $290,504.62 is over disclosed by $183.95 compared to the calculated Amount Financed of $290,320.67 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 xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $290,504.62; calculated finance charge is $290,320.67. Variance is $183.95. |  | Reviewer Comment (2025-08-25): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-08-22): Receipt of the RTC should take place at least 3 days prior to the expiration of the cancel date, thus allowing the borrower a three-day waiting period. The provided RTCs show no cancel date and would be considered incomplete. There is also only one set of initials. Please re-open RTC. If the cancel date is set to at least three dates after receipt date, (it can be more to allow for delivery issues) as long as there are three days between receipt per the courier and the cancel date the RTC would be considered delivered and proper waiting period would have been provided.<br>Reviewer Comment (2025-08-20): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund, proof of mailing and copies of unexecuted RTC's and missing Cancel by Date. In order to confirm the 3 day waiting period for the rescission reopening and cancel by date and proper completion of RTC form, please provide the copy of the emailed executed/completed RTC's for all consumers. (instructions noted the consumers were to email to lender when completed)<br>Reviewer Comment (2025-08-14): Finance charge remains under-disclosed in the amount of $183.95. Cure requires PCCD, LOE, Copy of refund check, re-opening of rescission, and proof of delivery. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. |  | 08/25/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838112 | xxxxxx | 34150089 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $501,497.74 is under disclosed by $183.95 compared to the calculated Finance Charge of $501,681.69 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $501,497.74; calculated finance charge is $501,681.69. Variance is $183.95. |  | Reviewer Comment (2025-08-25): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-08-22): Receipt of the RTC should take place at least 3 days prior to the expiration of the cancel date, thus allowing the borrower a three-day waiting period. The provided RTCs show no cancel date and would be considered incomplete. There is also only one set of initials. Please re-open RTC. If the cancel date is set to at least three dates after receipt date, (it can be more to allow for delivery issues) as long as there are three days between receipt per the courier and the cancel date the RTC would be considered<br>Reviewer Comment (2025-08-20): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund, proof of mailing and copies of unexecuted RTC's and missing Cancel by Date. In order to confirm the 3 day waiting period for the rescission reopening and cancel by date and proper completion of RTC form, please provide the copy of the emailed executed/completed RTC's for all consumers. (instructions noted the consumers were to email to lender when completed)<br>Reviewer Comment (2025-08-13): SitusAMC received Corrected CD, however, there were no changes in finance charges. The finance charge are underdisclosed by $183.95. Fees included in calculation are: Food Cert $12, xxxxxx $16, MERS $24.95, Prepaid Int $132.38, Tax Service $85, Title-Courier $50, Title-E-Recording $23, Title-Settlement $500, Title-Subescrow $90, Title-wire $60, Underwriting Fee $1495 & Title-Archival $30. Cure is Corrected CD, LOE to borrower, copy of cure refund of $183.95, proof of mailing and proof of reopening of rescission to all consumers. |  | 08/25/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838112 | xxxxxx | 34150217 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | The file is missing evidence of initial Closing Disclosure. |  | Reviewer Comment (2025-08-14): SitusAMC received initial CD. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838112 | xxxxxx | 34150218 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for xxxxxx. Fee Amount of $16.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7543) | The xxxxxx Fee was not disclosed on the initial Loan Estimate and was charged $16.00 on the Final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-08-14): SitusAMC received VCC. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838112 | xxxxxx | 34183025 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . (xxxxxx) |  |  | Reviewer Comment (2025-08-13): The client elects to waive. |  |  | 08/13/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838112 | xxxxxx | 34183026 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . (xxxxxx) |  |  | Reviewer Comment (2025-08-13): The client elects to waive. |  |  | 08/13/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838177 | xxxxxx | 33747897 | xxxxxx | 06/30/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-07-16): FTP provided | 07/16/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838177 | xxxxxx | 33747919 | xxxxxx | 06/30/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA missing |  | Reviewer Comment (2025-07-11): Updated HOI provided | 07/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838177 | xxxxxx | 33757116 | xxxxxx | 06/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. There is a blanket mortgage on the title. |  | Reviewer Comment (2025-07-16): Clear FTP provided | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838177 | xxxxxx | 33757186 | xxxxxx | 06/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Guarantor, xxxxxx. |  | Reviewer Comment (2025-07-03): Received Fraud and OFAC searches run on Guarantor, xxxxxx. Exception cleared. | 07/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838177 | xxxxxx | 33757240 | xxxxxx | 06/30/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | The 1007 STR does not include the source of the data used to complete the STR analysis for the subject property nor reflects if the appraiser factored in seasonality into the analysis. |  | Reviewer Comment (2025-07-10): Updated 1007 provided<br>Reviewer Comment (2025-07-08): The updated appraisal provided still does not include this information on the 1007. | 07/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838177 | xxxxxx | 33794335 | xxxxxx | 06/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Guarantor Agreement was signed by xxxxxx, however no credit documents were provided for this individual. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-03): Client elects to waive with verified compensation factors |  |  | 07/03/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838232 | xxxxxx | 33958844 | xxxxxx | 07/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | COGS provided is not dated. Must be within 120 days of closing. |  | Reviewer Comment (2025-07-21): Received Certificate of Good Standing. Exception cleared. | 07/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838246 | xxxxxx | 33728033 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated xxxxxx disclosed an inaccurate APR of 9.44600% compared to the actual APR at consummation of 9.65271% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | 1026.19(f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least three (3) specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under 1026.22, revised disclosures with an accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation (9.446%) changed more than the 0.125%(regular transaction) threshold compared to the actual/calculated APR at consummation (9.65271%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. |  | Reviewer Comment (2025-07-01): SitusAMC received xxxxxx CD | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838246 | xxxxxx | 33728034 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $190,822.86 is over disclosed by $251.95 compared to the calculated Amount Financed of $190,570.91 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 xxxxxx). (Final xxxxxx) | The disclosed Amount Financed in the amount of $190,822.86 is over disclosed by $251.95 compared to the calculated Amount Financed of $190,570.91 |  | Reviewer Comment (2025-08-12): SitusAMC received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Reviewer Comment (2025-07-21): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers.<br>Reviewer Comment (2025-07-03): SitusAMC received lender compliance report. It appears the differences are the Appraisal Management fee of $227 and the MERS $24.95. The AMC portion could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges. If determined the AMC fee is a finance charge, then full refund of underdisclosure of $251.95 is due to borrower. Correvcted CD, LOE to borrower, copy of cure refund for $251.95, proof of mailing and proof of reopening of rescission to all consumers.<br>Reviewer Comment (2025-07-01): Finance charge was underdisclosed by $251.95. Unable to determine lender's calculations, no compliance report. The following are fees included in SitusAMC's calculation: Appraisal Management Co fee $227, Flood Cert $8, Origination $3920, MERS $24.95, Prepaid Int $755.14, Tax Service $99, title-closing escrow fee $395. In regard to AMC fee, The AMC portion could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges. |  | 08/12/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838246 | xxxxxx | 33728035 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $396,057.34 is under disclosed by $251.95 compared to the calculated Finance Charge of $396,309.29 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Finance Charge in the amount of $396,057.34 is under disclosed by $251.95 compared to the calculated Finance Charge of $396,309.29 |  | Reviewer Comment (2025-08-12): SitusAMC received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Reviewer Comment (2025-07-21): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers.<br>Reviewer Comment (2025-07-03): SitusAMC received lender compliance report. It appears the differences are the Appraisal Management fee of $227 and the MERS $24.95. The AMC portion could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges. If determined the AMC fee is a finance charge, then full refund of underdisclosure of $251.95 is due to borrower. Correvcted CD, LOE to borrower, copy of cure refund for $251.95, proof of mailing and proof of reopening of rescission to all consumers.<br>Reviewer Comment (2025-07-01): Finance charge was underdisclosed by $251.95. Unable to determine lender's calculations, no compliance report. The following are fees included in SitusAMC's calculation: Appraisal Management Co fee $227, Flood Cert $8, Origination $3920, MERS $24.95, Prepaid Int $755.14, Tax Service $99, title-closing escrow fee $395. In regard to AMC fee, The AMC portion could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges. |  | 08/12/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838246 | xxxxxx | 33728036 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | 1026.19(f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least three (3) specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under 1026.22, revised disclosures with an accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation (9.446%) changed more than the 0.125%(regular transaction) threshold compared to the actual/calculated APR at consummation (9.65271%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. |  | Reviewer Comment (2025-07-01): SitusAMC received CD and COC dated xxxxxx  | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838246 | xxxxxx | 33728037 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $3,920.00 exceeds tolerance of $3,000.00. Insufficient or no cure was provided to the borrower. (7325) | Cure nor valid COC provided |  | Reviewer Comment (2025-07-01): SitusAMC received valid COC dated xxxxxx  | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838246 | xxxxxx | 33728038 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $555.00 exceeds tolerance of $530.00. Insufficient or no cure was provided to the borrower. (7506) | Cure nor valid COC provided |  | Reviewer Comment (2025-07-21): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-07-03): SitusAMC received loan details report. but it does not give sufficient information on why the appraisal fee was increased. Please provide documentation of the reason for the increase in the appraisal fee What information was received that required the increase in the fee and when was that information received or refund cure of $25 required to clear this exception.<br>Reviewer Comment (2025-07-01): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on what market conditions impacted appraisal fee to increase. Please provide additional sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  | 07/21/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838246 | xxxxxx | 33728039 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for AVM Fee. Fee Amount of $10.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7514) | Final CD reflects a cure, however due to multiple violations this will be addressed after all violations have been addressed. |  | Reviewer Comment (2025-07-21): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-07-03): SitusAMC: Cure provided at closing is insufficient to cure for all the citing 0% exception. We also required additional cure of $25 or valid COC for the appraisal fee increased. Exception remains. |  | 07/21/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838246 | xxxxxx | 33728040 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $108.00 exceeds tolerance of $59.00. Insufficient or no cure was provided to the borrower. (7520) | Final CD reflects a cure, however due to multiple violations this will be addressed after all violations have been addressed. |  | Reviewer Comment (2025-07-21): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Reviewer Comment (2025-07-03): SitusAMC: Cure provided at closing is insufficient to cure for all the citing 0% exception. We also required additional cure of $25 or valid COC for the appraisal fee increased. Exception remains. |  | 07/21/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838246 | xxxxxx | 33728041 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,078.00 exceeds tolerance of $825.00. Insufficient or no cure was provided to the borrower. (8304) | Final CD reflects a cure, however due to multiple violations this will be addressed after all violations have been addressed. |  | Reviewer Comment (2025-07-21): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Reviewer Comment (2025-07-03): SitusAMC: Cure provided at closing is insufficient to cure for all the citing 0% exception. We also required additional cure of $25 or valid COC for the appraisal fee increased. Exception remains. |  | 07/21/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838246 | xxxxxx | 33787587 | xxxxxx | 06/27/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Title Search in file. |  |  | Reviewer Comment (2025-07-01): Updated later dated title search provided | 07/01/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 838295 | xxxxxx | 33800024 | xxxxxx | 07/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception- Legal Non-Confirming: Exception for rebuild letter required from City/County. City/County will not provide due to rebuild is required to meet new zoning code regulations, however comp factors are incorrect. Credit score is not 30+ points above the minimum as a 720 FICO is required for escrow waiver. Provide the updated form. Assigned to investor. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-07-10): Client elects to waive with verified compensation factors |  |  | 07/10/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838295 | xxxxxx | 33800026 | xxxxxx | 07/03/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | 1007 does not reflect actual rents therefore unable to determine if rents are within 120% of estimated rents as required per guidelines. Provide the lease agreement or updated 10074 with actual rents. |  | Reviewer Comment (2025-08-05): Received Lease Agreement. Exception cleared. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838295 | xxxxxx | 33807115 | xxxxxx | 07/03/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Not provided |  | Reviewer Comment (2025-07-07): Updated HOI provided | 07/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838324 | xxxxxx | 33616508 | xxxxxx | 06/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-06-16): Approval provided | 06/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838324 | xxxxxx | 33616511 | xxxxxx | 06/13/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Final CD reflects a PPP. |  | Reviewer Comment (2025-07-01): PPP addendum to the Note provided. See added condition. | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | Yes | Property Focused |
| xxxxxx | 838324 | xxxxxx | 33616572 | xxxxxx | 06/13/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-17): The HOI provided reflects the date of change to the mortgagee is effective xxxxxx which is post close and not acceptable. |  |  | 06/18/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838324 | xxxxxx | 33616580 | xxxxxx | 06/13/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | The borrower does not meet the minimum DSCR of > 1.00 for a First Time Investor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-12): Client elects to waive with verified compensation factors |  |  | 06/12/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838324 | xxxxxx | 33629454 | xxxxxx | 06/13/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-06-17): Received Business Purpose Certificate. Exception cleared. | 06/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838324 | xxxxxx | 33819392 | xxxxxx | 07/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Post - Review. The lender provided a PPP addendum to the Note and PPP Rider to the DOT executed post close. The DOT does not include a PPP rider. Provide the corrected and executed DOT including the rider, LOE to borrower, evidence of delivery to the borrower, and lender's LOI> | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-03): Client elect to waive with verified compensation factors |  |  | 07/03/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838333 | xxxxxx | 33764353 | xxxxxx | 06/30/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-07-28): Received Gap Credit Report for xxxxxx. Exception cleared.<br>Reviewer Comment (2025-07-25): Received Gap credit report for xxxxxx. Pending receipt of gap credit report for xxxxxx. Exception remains.<br>Reviewer Comment (2025-07-21): Cleared in error. Gap received for xxxxxx and xxxxxx. Pending receipt for xxxxxx and xxxxxx.<br>Reviewer Comment (2025-07-21): Gap report provided | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838333 | xxxxxx | 33764384 | xxxxxx | 06/30/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | 1) Per the lender's income worksheet, xxxxxx each own 33.30% of the business used to qualify. Documentation to support this was not provided. Provide either a CPA letter, Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage. 2) The VVOE for xxxxxx is dated > 10 calendar days prior to the Note date. |  | Reviewer Comment (2025-08-11): Received VVOE for xxxxxx is dated 10 calendar days prior to the Note date. Exception cleared.<br>Reviewer Comment (2025-08-06): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Borrower: xxxxxx, Borrower: xxxxxx, Borrower: xxxxxx<br> EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Business Ownership Percentage<br> Business Ownership Percentage<br> VVOE - Employment Only<br>Reviewer Comment (2025-08-05): Received Company agreement to verify ownership percentage of the business. However the file is pending The VVOE for xxxxxx dated 10 calendar days prior to the Note date. Exception remains. | 08/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838333 | xxxxxx | 33783295 | xxxxxx | 06/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the Business Purpose Cert |  | Reviewer Comment (2025-07-21): BP Cert provided | 07/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838333 | xxxxxx | 33795478 | xxxxxx | 06/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Seller xxxxxx, signing on behalf of xxxxxx, is missing. |  | Reviewer Comment (2025-07-23): Received Fraud and OFAC search run on Seller xxxxxx, signing on behalf of xxxxxx. Exception cleared. | 07/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838333 | xxxxxx | 33795547 | xxxxxx | 06/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx is a Non-Perm resident and 12 months bank statements were provided to qualify. 24 months income required for Non-Perm residents. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-21): Client elects to waive with verified compensation factors |  |  | 07/21/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838357 | xxxxxx | 33592780 | xxxxxx | 06/11/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-07-01): CDA received | 07/01/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 838357 | xxxxxx | 33592794 | xxxxxx | 06/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-07-01): Articles of formation provided | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 838357 | xxxxxx | 33592797 | xxxxxx | 06/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-07-01): Cert of good standing provided | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 838357 | xxxxxx | 33592798 | xxxxxx | 06/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-07-01): OA provided | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 838357 | xxxxxx | 33592942 | xxxxxx | 06/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2025-07-01): EIN provided | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 838357 | xxxxxx | 33593027 | xxxxxx | 06/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on seller, xxxxxx, signer for xxxxxx. |  | Reviewer Comment (2025-07-03): Received Fraud report and OFAC run on seller, xxxxxx, signer for xxxxxx. Exception cleared. | 07/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 838357 | xxxxxx | 33616317 | xxxxxx | 06/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  | Reviewer Comment (2025-07-01): UC provided | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 838357 | xxxxxx | 33616547 | xxxxxx | 06/11/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Per guidelines, first time investor's are only allowed on single family residences only. Property is a xxxxxx. |  | Reviewer Comment (2025-07-02): Credit memo provided updating property allowed to xxxxxx unit vs. xxxxxx.<br>Reviewer Comment (2025-07-02): The credit memo will need to be provided as it was not found.<br>Reviewer Comment (2025-07-01): Loan file was reviewed to 4.2025 matrix. The 6.2025 matrix updated to xxxxxx unit. Loan was reviewed prior to matrix being received. | 07/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 838384 | xxxxxx | 33710267 | xxxxxx | 06/25/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership and ownership % in xxxxxx (used for assets and currently vested on title). |  | Reviewer Comment (2025-07-11): Evidence of ownership provided | 07/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 838384 | xxxxxx | 33710300 | xxxxxx | 06/25/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-07-11): CDA received | 07/11/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 838384 | xxxxxx | 33715123 | xxxxxx | 06/25/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI: xxxxxx vs. xxxxxx. |  | Reviewer Comment (2025-08-04): Updated HOI provided<br>Reviewer Comment (2025-07-30): The HOI state xxxxxx vs xxxxxx.<br>Reviewer Comment (2025-07-07): The rebuttal is not acceptable. All addresses must match. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 838384 | xxxxxx | 33715147 | xxxxxx | 06/25/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal: xxxxxx vs.xxxxxx |  | Reviewer Comment (2025-07-07): Updated appraisal provided | 07/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 838384 | xxxxxx | 33725223 | xxxxxx | 06/25/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is a grant deed in file dated xxxxxx one from the LLC to the individuals and one from the individuals to the LLC. The loan closed in the individuals names. No evidence of which was completed last. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-17): Client elects to waive with verified compensation factors |  |  | 07/17/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 838433 | xxxxxx | 34075844 | xxxxxx | 08/04/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2025-08-13): The client elects to waive.<br>Reviewer Comment (2025-08-12): Per guidelines, SSN in lieu of EIN can be used for a sole proprietor (not LLCs), therefore provide Employer Identification Number (EIN). Exception remains. |  |  | 08/13/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838433 | xxxxxx | 34133178 | xxxxxx | 08/04/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-08-13): An Operating Agreement is not required for single-owner LLCs in the State of xxxxxx | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838664 | xxxxxx | 34017096 | xxxxxx | 07/25/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-08-01): Received Final Title policy. Exception cleared. | 08/01/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | C | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838664 | xxxxxx | 34017097 | xxxxxx | 07/25/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-08-01): Received Final Title policy. Exception cleared.<br>Reviewer Comment (2025-08-01): No new document was uploaded into clarity. Please provide the document as requested on original condition. Exception remains. | 08/01/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | C | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838664 | xxxxxx | 34017109 | xxxxxx | 07/25/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 | Two AVMs and a post-close xxxxxx By appraisal was used for value. This is a CES loan. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-24): Client elects to waive |  |  | 07/24/2025 | 2 | A | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | C | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838664 | xxxxxx | 34017175 | xxxxxx | 07/25/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE |  | Reviewer Comment (2025-08-17): Updated RCE provided<br>Reviewer Comment (2025-08-11): Received RCE is dated more than 1 year old. Please provide updated RCE. Exception remains. | 08/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | C | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838664 | xxxxxx | 34017183 | xxxxxx | 07/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide Business Purpose Certificate. |  | Reviewer Comment (2025-08-07): Received Business Purpose Certificate. Exception cleared. | 08/07/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | C | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838664 | xxxxxx | 34017184 | xxxxxx | 07/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-08-07): Final 1003 with docusign provided<br>Reviewer Comment (2025-08-04): Being a hybrid closing has no bearing on the date of the document.<br>Reviewer Comment (2025-07-29): The 1003's provided are dated xxxxxx Loan did not close until xxxxxx  | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | C | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838664 | xxxxxx | 34033131 | xxxxxx | 07/25/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | xxxxxx for subject property has a report date post close. Provide the pre-close appraisal. |  | Reviewer Comment (2025-08-04): xxxxxx preclose document provided<br>Reviewer Comment (2025-08-01): No new document was uploaded into clarity. Please provide the document as requested on original condition. Exception remains. | 08/04/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | C | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838664 | xxxxxx | 34033307 | xxxxxx | 07/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | PCI Report reflects xxxxxx vs. xxxxxx. |  | Reviewer Comment (2025-08-04): PCI provided with inspection date dated prior to closing along with additional AVM + PCI.<br>Reviewer Comment (2025-08-01): No new document was uploaded into clarity. Please provide the document as requested on original condition. Exception remains. | 08/04/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | C | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838664 | xxxxxx | 34033348 | xxxxxx | 07/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $65.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | COC just states fee was added based on information received from property valuation. Additional information is required to determine if COC is valid. |  | Reviewer Comment (2025-08-05): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check. |  | 08/05/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 838664 | xxxxxx | 34033371 | xxxxxx | 07/25/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Loan is an investment property and page 1 and REO section reflect the subject property as the primary residence. |  | Reviewer Comment (2025-07-29): Updated 1003's provided | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | C | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838664 | xxxxxx | 34033379 | xxxxxx | 07/25/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | City does not match |  | Reviewer Comment (2025-08-04): Updated flood cert provided<br>Reviewer Comment (2025-08-01): No new document was uploaded into clarity. Please provide the document as requested on original condition. Exception remains. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | C | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838664 | xxxxxx | 34033383 | xxxxxx | 07/25/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | City does not match |  | Reviewer Comment (2025-08-07): Received corrected Insurance Policy. Exception cleared | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | C | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838664 | xxxxxx | 34033401 | xxxxxx | 07/25/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | Loan is an investment property and page 1 and REO section reflect the subject property as the primary residence. |  | Reviewer Comment (2025-07-24): Client elects to waive |  |  | 07/24/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | C | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838668 | xxxxxx | 33928147 | xxxxxx | 07/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Provide Final 1003 as it is missing in the file. |  | Reviewer Comment (2025-07-21): Received Final 1003. Exception cleared. | 07/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838668 | xxxxxx | 33928207 | xxxxxx | 07/15/2025 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. |  |  | Reviewer Comment (2025-07-15): Client elects to waive |  |  | 07/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838668 | xxxxxx | 33928223 | xxxxxx | 07/15/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. |  | There are correspondences in file that state there isn't any blanket flood coverage, therefore borrower should have obtained the max coverage of $xxxxxx as current xxxxxx is insufficient (no RCE provided). |  | Reviewer Comment (2025-07-16): RCE provided for unit reflecting flood insurance coverage is sufficient. Unit RCE xxxxxx. | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838668 | xxxxxx | 33928233 | xxxxxx | 07/15/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Provide supporting documents to verify the business is in existence for a minimum of two (2) years as evidenced by one of the following:<br> o CPA Letter, or<br> o Business License, or<br> o Bank statement from 24 or more months prior to note date reflecting activity, or<br> o Other reasonable evidence of business activity. |  | Reviewer Comment (2025-07-22): Received Business Entity Listing verified the business is in existence for a minimum of two (2) years as. Exception Cleared.<br>Reviewer Comment (2025-07-16): The same document was provided that was in file at time of review and does not meet the requirements for third party verification for 2 year open and active. Please review original condition. Provide supporting documents to verify the business is in existence for a minimum of two (2) years as evidenced by one of the following: o CPA Letter, or o Business License, or o Bank statement from 24 or more months prior to note date reflecting activity, or o Other reasonable evidence of business activity. | 07/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838668 | xxxxxx | 33928301 | xxxxxx | 07/15/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide Business Purpose Certificate as it is missing in the file. |  | Reviewer Comment (2025-07-24): BP cert provided<br>Reviewer Comment (2025-07-24): Received Business Purpose & Occupancy Affidavit. However, the document required is a separate Business Purpose Certificate. Exception remains. | 07/24/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838668 | xxxxxx | 33937839 | xxxxxx | 07/15/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  | 1-4 Family / Assignments of Leases and Rents not provided on DOT or Rider in file. |  | Reviewer Comment (2025-08-06): Received recorded affidavit for re-execution, corrected DOT, executed 1-4 family rider, LOE to borrower and evidence of delivery to the borrower.<br>Reviewer Comment (2025-07-31): Received LOE to borrower, please provide lenders intent to re-record, evidence of delivery to the borrower and re-record DOT. Exception remains. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838697 | xxxxxx | 33924501 | xxxxxx | 07/15/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-07-21): Received credit refresh report dated xxxxxx . Exception cleared. | 07/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838697 | xxxxxx | 33924502 | xxxxxx | 07/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-07-17): Final 1003 provided | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838697 | xxxxxx | 33924694 | xxxxxx | 07/15/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | Provide the VVOE dated within 10 days prior to the Note date or a paystub dated within 30 days prior to the Note date. |  | Reviewer Comment (2025-07-29): Received VVOE within 10 days prior to the Note date. Exception cleared.<br>Reviewer Comment (2025-07-22): The email VVOE provided is dated xxxxxx which is post close and not acceptable. The VVOE needs to be dated within 10 days prior to closing.<br>Reviewer Comment (2025-07-21): Received xxxxxx is dated post closing. However provide VVOE dated within 10 days prior to the Note date or a paystub dated within 30 days prior to the Note date. Exception remains. | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838697 | xxxxxx | 33934889 | xxxxxx | 07/15/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The 1003 reflects the borrower owned the current primary for 7 years. Housing history on credit report is for 54 months tied to his property on xxxxxx. However, there is also a VOR in file that reflects borrower rented this property from 8/2024-7/2025. |  | Reviewer Comment (2025-07-23): Received corrected VOR with updated address to xxxxxx and Borrower LOE.<br>Reviewer Comment (2025-07-22): The 1003 still reflects the property owned on xxxxxx for 7 years. VOR provided still reflects xxxxxx rented from 8/2024-7/2025 and another VOR for xxxxxx from xxxxxx to xxxxxx . A blank VOR was also provided. | 07/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838697 | xxxxxx | 33936069 | xxxxxx | 07/15/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  | 1-4 Family / Assignments of Leases and Rents not provided on DOT or Rider in file. |  | Reviewer Comment (2025-08-06): Evidence of delivery provided<br>Reviewer Comment (2025-08-04): Received executed rider, recorded correction to instrument and LOE to borrower. Pending receipt of evidence of delivery to the borrower.<br>Reviewer Comment (2025-08-01): Received LOE to borrower. Provide the corrected and executed DOT with 1-4 Family / Assignments of Leases and Rents, intent to re-record, evidence of delivery to the borrower. Exception remains. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838774 | xxxxxx | 33680778 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-06-27): Client elects to waive Loan is HPML Compliant |  |  | 06/27/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838774 | xxxxxx | 33680794 | xxxxxx | 06/23/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | An LOE was provided for the gift letter which is not acceptable. Provide the fully completed gift letter with all pertinant information and signed by borrower and donor. Further, the amounts listed on the LOE are not correct. Wires in file total $48,500 ($20,000, $21,500 and $7,000). The LOE's reflect a total of $105,000 ($30,000, $50,000 & $25,000). |  | Reviewer Comment (2025-06-26): Updated letters provided and guidelines allow LOE as long as it contains all information listed. | 06/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838774 | xxxxxx | 33680894 | xxxxxx | 06/23/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 4.93 is less than Guideline PITIA months reserves of 6.00. | Insufficient reserves. |  | Reviewer Comment (2025-06-27): Additional assets and evidence of ownership from the bank provided. | 06/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838774 | xxxxxx | 33680914 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves |  | Reviewer Comment (2025-06-27): Additional assets and evidence of ownership from the bank provided | 06/27/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838774 | xxxxxx | 33680915 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves |  | Reviewer Comment (2025-06-27): Additional assets and evidence of ownership from the bank provided | 06/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838779 | xxxxxx | 33809821 | xxxxxx | 07/07/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-07-11): Received Credit Report - Gap. Exception cleared. | 07/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838779 | xxxxxx | 33837031 | xxxxxx | 07/07/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history needs to be within 45 days of application for all mortgages. Provide the updated housing history for xxxxxx. |  | Reviewer Comment (2025-07-11): Received Credit refresh report. Exception cleared. | 07/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838779 | xxxxxx | 33837121 | xxxxxx | 07/07/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx P&L Statement, Paystubs, Third Party Verification | 1) Gap P&L, YTD P&L & third party verification of SE dated within 90 days of closing were not provided for the two Schedule E businesses. Borrower is solely SE and the guidelines do not exempt losses from documentation. 2) For the 1120S business, when borrower's W2 themselves, a YTD paystub is required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-08-20): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-08-18): Post close income documentation is not acceptable.<br>Reviewer Comment (2025-08-15): Received paystubs are dated post closing. Please provide paystubs dated prior to closing. Exception remains.<br>Reviewer Comment (2025-08-14): Received dated P&L. For 1120S business, when borrower's W2 themselves, a YTD paystub is required. Exception remains.<br>Reviewer Comment (2025-08-13): Received third party verification. Provide signed and dated P&L statement for both businesses within 120 days prior to closing. Borrower is solely SE and the guidelines do not exempt losses from documentation. 2. 1120S business, when borrower's W2 themselves, a YTD paystub is required. Exception remains.<br>Reviewer Comment (2025-08-12): Received third party verification of SE however pulled date is missing. 1. Require third party verification of SE dated within 90 days of closing for the two Schedule C businesses. Also provide signed and dated P&L statement for both businesses within 120 days prior to closing. Borrower is solely SE and the guidelines do not exempt losses from documentation. 2. 1120S business, when borrower's W2 themselves, a YTD paystub is required. Exception remains.<br>Reviewer Comment (2025-08-01): Received P&L Statement for both sole proprietor businesses is only signed and not dated. Therefore provide signed and dated P&L statement for both businesses within 120 days prior to closing. Also, third party verification of SE dated within 90 days of closing were not provided for the two Schedule C businesses. And For the 1120S business, when borrower's W2 themselves, a YTD paystub is required. Exception remains.<br>Reviewer Comment (2025-07-11): 1. For xxxxxx Place business, when borrower's W2 themselves, a YTD paystub is required. 2. Gap P&L, YTD P&L & third-party verification of SE dated within 90 days of closing were not provided for the two Schedule E businesses "xxxxxx". Exception remains. |  |  | 08/20/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 838852 | xxxxxx | 33817997 | xxxxxx | 07/02/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU score 2.3, xxxxxx CU score 3.0. Due to discrepancy, a secondary valuation is required. |  | Reviewer Comment (2025-07-08): Received AVM. Exception cleared. | 07/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838942 | xxxxxx | 33902904 | xxxxxx | 07/16/2025 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent loss of 6 months PITIA ($6,047.49 x 6= $36,284.94) is required as per guidelines. Policy only shows $22,000.00 for rent loss. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-07-18): Client elects to waive with verified compensation factors |  |  | 07/18/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839353 | xxxxxx | 33727996 | xxxxxx | 06/27/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-07-21): FTP provided | 07/21/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839353 | xxxxxx | 33727997 | xxxxxx | 06/27/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-07-21): FTP provided | 07/21/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839353 | xxxxxx | 33728003 | xxxxxx | 06/27/2025 | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | Borrower does not meet the minimum reserve requirement for an escrow waiver. Investor exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-06-25): Client elects to waive with verified compensation factors |  |  | 06/25/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839353 | xxxxxx | 33728006 | xxxxxx | 06/27/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Appraisal and CDA: Units are missing |  | Reviewer Comment (2025-07-21): Updated appraisal provided<br>Reviewer Comment (2025-07-16): Received updated CDA. Pending receipt of updated appraisal. | 07/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839354 | xxxxxx | 34063496 | xxxxxx | 08/01/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-08-08): Received Final Title policy. Exception cleared. | 08/08/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839354 | xxxxxx | 34063528 | xxxxxx | 08/01/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-08-08): Received Final Title policy. Exception cleared. | 08/08/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839354 | xxxxxx | 34063552 | xxxxxx | 08/01/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . |  |  | Reviewer Comment (2025-08-05): Final stamped settlement statement provided updating disbursement date. Rescission met. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839354 | xxxxxx | 34063569 | xxxxxx | 08/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $675.00. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee amount of $950.00 exceeds tolerance of $675.00. |  | Reviewer Comment (2025-08-07): SitusAMC received rebuttal comment for increase in fee is suffice.<br>Reviewer Comment (2025-08-05): SitusAMC COC dated xxxxxx was in file which states appraisal transfer however, appraisal transfer letter is missing in file. Please provide transfer letter and more information on when lender has become aware of the change. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839354 | xxxxxx | 34063570 | xxxxxx | 08/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $252.00 exceeds tolerance of $250.00. Insufficient or no cure was provided to the borrower. (7520) | Credit Report Fee amount of $252.00 exceeds tolerance of $250.00. |  | Reviewer Comment (2025-08-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839354 | xxxxxx | 34063581 | xxxxxx | 08/01/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Credit Supplement reflects housing history provide 6 months pay history - xxxxxx. |  | Reviewer Comment (2025-08-08): Received Bank Statement verifying 6 months of payment history for property xxxxxx. Exception cleared. | 08/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839354 | xxxxxx | 34120024 | xxxxxx | 08/01/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Per Title, currently vested in a trust. Warranty Deed transferring from Trust to Borrowers individually not provided in the file. |  | Reviewer Comment (2025-08-08): Received Grant Deed transferring the title from Trust to Borrowers individually. Exception cleared. | 08/08/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839354 | xxxxxx | 34120075 | xxxxxx | 08/01/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-08-05): Received Gap Credit report. Exception cleared. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839354 | xxxxxx | 34120132 | xxxxxx | 08/01/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  | Reviewer Comment (2025-08-20): Updated HOI provided | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839354 | xxxxxx | 34157925 | xxxxxx | 08/07/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $252.00 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-08-07): Sufficient Cure Provided At Closing |  | 08/07/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839359 | xxxxxx | 33775645 | xxxxxx | 06/30/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  | Reviewer Comment (2025-07-10): Received OFAC search for borrower. Exception cleared. | 07/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839359 | xxxxxx | 33775649 | xxxxxx | 06/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Must include all participants |  | Reviewer Comment (2025-07-15): Received Loan Participant Analysis for seller. Exception cleared.<br>Reviewer Comment (2025-07-14): Received only OFAC Report page OFAC search run on the seller, please provide Loan Participant Analysis for seller. Exception remains.<br>Reviewer Comment (2025-07-10): Received full fraud report, however fraud and OFAC search is not run on seller, xxxxxx. Exception remains. | 07/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839359 | xxxxxx | 33795192 | xxxxxx | 06/30/2025 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | Borrower: xxxxxx |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-08): 2.8.1.1 is for Experienced investor. This is for first time homebuyer under 2.8.1.2. which does not state only 1 borrower/guarantor needs to meet the criteria. |  |  | 07/10/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839360 | xxxxxx | 33864912 | xxxxxx | 07/14/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Reflects Unit number vs. Note which does not. |  | Reviewer Comment (2025-07-16): Updated flood cert provided | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839360 | xxxxxx | 33864929 | xxxxxx | 07/14/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA: Reflects Unit number vs. Note which does not. |  | Reviewer Comment (2025-07-16): Updated CDA provided | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839360 | xxxxxx | 33907666 | xxxxxx | 07/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, signor for seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-07-16): Received updated fraud report. Fraud and OFAC search run on the seller. Exception cleared. | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839442 | xxxxxx | 34005159 | xxxxxx | 07/25/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $795.50 exceeds tolerance of $585.00 plus 10% or $643.50. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2025-07-22): Sufficient Cure Provided At Closing |  | 07/22/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839442 | xxxxxx | 34005160 | xxxxxx | 07/25/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $162.00 exceeds tolerance of $59.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-07-22): Sufficient Cure Provided At Closing |  | 07/22/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839442 | xxxxxx | 34005462 | xxxxxx | 07/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Occupancy Certificate - Check box is not checked on the Refinance only section. |  | Reviewer Comment (2025-07-30): Received Occupancy Certificate. Exception cleared. | 07/30/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839442 | xxxxxx | 34018526 | xxxxxx | 07/25/2025 | 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 xxxxxx) | 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. | Per search report, HELOC being paid thru closing is same lender |  | Reviewer Comment (2025-07-24): Client elects to waive |  |  | 07/24/2025 | 2 | B | B | xxxxxx | xxxxxx | 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 B | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839450 | xxxxxx | 33980156 | xxxxxx | 07/22/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-07-30): Updated title provided | 07/30/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839450 | xxxxxx | 33980278 | xxxxxx | 07/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on xxxxxx are underdisclosed (Final xxxxxx) | Page 4 does not reflect the estimated property costs over year 1. |  | Reviewer Comment (2025-07-30): SItusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 07/30/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839450 | xxxxxx | 33980279 | xxxxxx | 07/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. (Final xxxxxx) | Page 1 does not reflect the estimated taxes, insurance and assessments. |  | Reviewer Comment (2025-07-30): SItusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-07-28): SitusAMC received rebuttal, however we require corrected PCCD and LOE updating page 1 with Estimated Taxes, Insurance, and Assessments and page 4 with non-escrowed estimated property costs over Year 1. |  | 07/30/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839450 | xxxxxx | 33994815 | xxxxxx | 07/22/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $140,500.00. Provide the RCE. |  | Reviewer Comment (2025-07-30): Received RCE for subject property. Exception cleared. | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839450 | xxxxxx | 33994854 | xxxxxx | 07/22/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,045.50 exceeds tolerance of $806.00 plus 10% or $886.60. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2025-07-21): Sufficient Cure Provided At Closing |  | 07/21/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839450 | xxxxxx | 33994865 | xxxxxx | 07/22/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Reviewer Comment (2025-07-22): Client elects to waive |  |  | 07/22/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839450 | xxxxxx | 34005866 | xxxxxx | 07/22/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | VVOE is dated post close and the paystub is dated > 30 days prior to closing. VVOE needs to be dated within 10 days prior to closing or a paystub dated within 30 days prior to closing. |  | Reviewer Comment (2025-07-29): VVOE dated within 10 days prior to closing provided<br>Reviewer Comment (2025-07-29): Received VVOE is dated post closing, also date of employment is blank. Exception remains. | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839450 | xxxxxx | 34005882 | xxxxxx | 07/22/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | VVOE is dated post close and the paystub is dated > 30 days prior to closing. VVOE needs to be dated within 10 days prior to closing or a paystub dated within 30 days prior to closing. |  | Reviewer Comment (2025-07-29): VVOE provided dated within 10 days prior to closing | 07/29/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839450 | xxxxxx | 34005883 | xxxxxx | 07/22/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | VVOE is dated post close and the paystub is dated > 30 days prior to closing. VVOE needs to be dated within 10 days prior to closing or a paystub dated within 30 days prior to closing. |  | Reviewer Comment (2025-07-29): VVOE provided dated within 10 days prior to closing | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839450 | xxxxxx | 34005951 | xxxxxx | 07/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided |  | Provide the recent mortgage statement for the senior lien. |  | Reviewer Comment (2025-08-07): Received mortgage statement for the senior lien. Exception cleared.<br>Reviewer Comment (2025-08-05): History ledger is not acceptable document. As per guidelines, required Mortgage Statement. Exception remains.<br>Reviewer Comment (2025-07-25): Received is a Mortgage Payoff Statement, however the document requested is for most recent Mortgage Statement. Exception remains. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839458 | xxxxxx | 34161903 | xxxxxx | 06/20/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal reflect subject is currently listed for sale, which is ineligible per guidelines. |  | Reviewer Comment (2025-06-28): Received evidence property listing removed on xxxxxx , which was prior to closing. | 06/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839458 | xxxxxx | 34161904 | xxxxxx | 06/20/2025 | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | Background search shows the borrower has a felony conviction. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-07-30): Waived with compensating factors per lender request. Comfort level supported by the offense is >30 years ago, and documentation in the file supports related to an xxxxxx There is a letter in file from the borrower saying felony conviction had been dropped however, the background in file is not clear to support conviction had been dropped. – The charge is > 30 years ago and is not financially related<br>Reviewer Comment (2025-07-19): If Lender is accepting LOE, a request to waive can be made; however, the background documents provided do not indicate that the borrower was not convicted, as indicated in the LOE.<br>Reviewer Comment (2025-06-28): There are 2 felonies reporting on the background check. The offense dated xxxxxx does not indicate a finding of not guilty. Lender to address this record. |  |  | 07/30/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839458 | xxxxxx | 34161905 | xxxxxx | 06/20/2025 | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | Credit Report: Original // Borrower: xxxxxx . | Background search shows the guarantor has a felony conviction. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-07-30): Waived with compensating factors per lender request. Comfort level supported by the offense is >30 years ago, and documentation in the file supports related to an xxxxxx. There is a letter in file from the borrower saying felony conviction had been dropped however, the background in file is not clear to support conviction had been dropped. – The charge is > 30 years ago and is not financially related<br>Reviewer Comment (2025-07-19): If Lender is accepting LOE, a request to waive can be made; however, the background documents provided do not indicate that the borrower was not convicted, as indicated in the LOE. |  |  | 07/30/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839458 | xxxxxx | 34161906 | xxxxxx | 06/20/2025 | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | Credit Report: Original // Borrower: xxxxxx . | Background search shows the guarantor has a felony conviction. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-07-30): Waived with compensating factors per lender request. Comfort level supported by the offense is >30 years ago, and documentation in the file supports related to an xxxxxx. There is a letter in file from the borrower saying felony conviction had been dropped however, the background in file is not clear to support conviction had been dropped. – The charge is > 30 years ago and is not financially related<br>Reviewer Comment (2025-07-19): If Lender is accepting LOE, a request to waive can be made; however, the background documents provided do not indicate that the borrower was not convicted, as indicated in the LOE. |  |  | 07/30/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839477 | xxxxxx | 33627426 | xxxxxx | 06/16/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx | All open outstanding liens must be paid off prior to or at loan closing (on Entity background report). |  | Reviewer Comment (2025-07-24): $0 owned for lien reporting on report for $72.99<br>Reviewer Comment (2025-07-14): The debt is on a lien report, therefore evidence it was paid needs to be provided. This is not just limited to debts on the property. It is any lien/judgment against the borrower.<br>Reviewer Comment (2025-07-10): Received lien report which reflects $120 lien paid, however the lien report provided reflects an outstanding balance for another lien for xxxxxx for xxxxxx that evidence needs to be provided paid in full.<br>Reviewer Comment (2025-06-17): The Seller's comments are for collections and chargeoffs vs. judgments and tax liens which guidelines require to be paid off at or prior to closing, regardless of amount. | 07/24/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839477 | xxxxxx | 33627509 | xxxxxx | 06/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-07-14): Approval provided<br>Reviewer Comment (2025-07-14): No new document was received. Provide the document as requested on the comment dated xxxxxx . Exception remains.<br>Reviewer Comment (2025-06-17): The loan approval. Provide the 1008 with UW name or the lender's approval with conditions. | 07/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839477 | xxxxxx | 33627514 | xxxxxx | 06/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2025-06-18): Received Tax Certificate. Exception cleared. | 06/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839477 | xxxxxx | 33627521 | xxxxxx | 06/16/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxxxx overlays: Must reflect 100% replacement cost or similar verbiage. |  | Reviewer Comment (2025-06-23): Received Replacement cost. Exception cleared. | 06/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839477 | xxxxxx | 33627721 | xxxxxx | 06/16/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the borrower's primary residences are free and clear on xxxxxx. |  | Reviewer Comment (2025-07-24): Received Note, Mortgage and Security agreement and HELOC agreement for both borrowers primary residence to verify housing history. Exception cleared.<br>Reviewer Comment (2025-07-15): Received 12 months of wire transfer to xxxxxx. Provide Mortgage statement or Note for the review period to verify monthly payment. Received 12 months of mortgage statement from xxxxxx Bank that does not list the property address, only mailing address was listed, therefore provide HELOC agreement to verify the property address. Exception remains.<br>Reviewer Comment (2025-07-10): Received Mortgage Statement and HELOC mortgage statement that is not for primary property. Please provide property history report to verify that borrower's primary residences are free and clear on xxxxxx and xxxxxx. Exception remains.<br>Reviewer Comment (2025-07-01): Received HOI policy for xxxxxx, however HOI policy is not sufficient to verify property is free and clear. Please provide Property History Report to verify property is free and clear for property located at xxxxxx and xxxxxx. Exception remains. | 07/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839477 | xxxxxx | 33655189 | xxxxxx | 06/16/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage history for the subject property does not appear on the credit report. VOM, 6 month borrower pay history and payoff provided. Pending receipt of a copy of the Note or mortgage statement to verify payment. |  | Reviewer Comment (2025-06-26): Received Note for subject property. Exception cleared.<br>Reviewer Comment (2025-06-24): Received Closing Statement and Security Instrument. However document requested is for Note or Mortgage Statement. Exception remains.<br>Reviewer Comment (2025-06-17): The Security instrument was provided. The guidelines require a copy of the original Note or mortgage statement to verify payment. | 06/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839477 | xxxxxx | 33655225 | xxxxxx | 06/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | The Non-Owner Occupancy Cert does not have item #4 completed for principal residences. |  | Reviewer Comment (2025-07-08): Received Non-Owner Occupancy Cert. Exception cleared.<br>Reviewer Comment (2025-06-17): The guidelines require an Occupancy Cert. The one provided in file is incomplete. Per the original condition, the Non-Owner Occupancy Cert does not have item #4 completed for principal residences. | 07/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839531 | xxxxxx | 33670317 | xxxxxx | 06/20/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA: #xxxxxx is missing |  | Reviewer Comment (2025-07-08): Updated CDA provided | 07/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839531 | xxxxxx | 33670326 | xxxxxx | 06/20/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | HOI reflects ISA vs. ISAOA. |  | Reviewer Comment (2025-07-01): Updated HOI provided | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839531 | xxxxxx | 33670328 | xxxxxx | 06/20/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-07-15): FTP provided | 07/15/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839531 | xxxxxx | 33670546 | xxxxxx | 06/20/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 1.16 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.25. | Loan amounts < $150,000 require a 1.25 DSCR. Investor exception in file. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-19): Client elect to waive with verified compensation factors |  |  | 06/19/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839531 | xxxxxx | 33707777 | xxxxxx | 06/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Blanket lien on title. |  | Reviewer Comment (2025-07-15): Clear FTP provided | 07/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839531 | xxxxxx | 33707831 | xxxxxx | 06/20/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal: xxxxxx is in the middle of the main address vs. as a unit number. |  | Reviewer Comment (2025-07-08): Corrected appraisal provided | 07/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839533 | xxxxxx | 33894185 | xxxxxx | 07/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $764,461.65 is over disclosed by $113.45 compared to the calculated Amount Financed of $764,348.20 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 xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $764,461.65; calculated finance charge is $764,348.20. Variance is $113.45. |  | Reviewer Comment (2025-08-05): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-07-21): SitusAMC received lender attestation that the Flood Certification Fee of $13.45 charge on final CD was a one time fee. However, the Flood Certificate in file states the Service Type is Life of Loan. Please further clarify or document if the $13.45 amount was for initial upfront determination and the life of loan monitoring service to be charged and paid separately during loan life cyle.<br>Reviewer Comment (2025-07-17): Flood Cert is counted as a Life of Loan expense and thus a finance charge. If the fee is a one-time only fee for credit granting please provide LOA stating as such. There appears to be a mathematical error on the final CD when calculating finance charge on page 5. |  | 08/05/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839533 | xxxxxx | 33894186 | xxxxxx | 07/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,109,145.50 is under disclosed by $113.45 compared to the calculated Finance Charge of $1,109,258.95 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $1,109,145.50; calculated finance charge is $1,109,258.95. Variance is $113.45. |  | Reviewer Comment (2025-08-05): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-07-21): SitusAMC received lender attestation that the Flood Certification Fee of $13.45 charge on final CD was a one time fee. However, the Flood Certificate in file states the Service Type is Life of Loan. Please further clarify or document if the $13.45 amount was for initial upfront determination and the life of loan monitoring service to be charged and paid separately during loan life cyle.<br>Reviewer Comment (2025-07-17): Flood Cert is counted as a Life of Loan expense and thus a finance charge. If the fee is a one-time only fee for credit granting please provide LOA stating as such. There appears to be a mathematical error on the final CD when calculating finance charge on page 5. |  | 08/05/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839556 | xxxxxx | 33829043 | xxxxxx | 07/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception for allowing LLC documentation for other lawful business outside of management of real estate. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-07-06): Client elects to waive with verified compensation factors |  |  | 07/06/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839556 | xxxxxx | 33829051 | xxxxxx | 07/09/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI does not reflect xxxxxx or Unit numbers. |  | Reviewer Comment (2025-07-10): Updated HOI provided | 07/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839563 | xxxxxx | 33917047 | xxxxxx | 07/14/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Provide the blanket HOI policy. Policy in file is only the Cert of Liability with no building coverage. |  | Reviewer Comment (2025-07-18): Blanket coverage provided<br>Reviewer Comment (2025-07-16): The document provided is the dec page to the liability insurance. No blanket building dwelling coverage is not listed. | 07/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839578 | xxxxxx | 33932917 | xxxxxx | 07/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide clear title. Judgments and liens on title not addressed that are against borrower. (Item #14) |  | Reviewer Comment (2025-07-29): LOE from title noting judgements are not against the borrower and seller search and title is clear.<br>Reviewer Comment (2025-07-23): The attached does not clear the condition. The title LOE states judgments are not against the borrower but makes no mention of the property seller judgments also listed. Provide an LOE or supplement on title stating no judgments / liens will appear on the final title or will be removed or the clear and final title policy.<br>Reviewer Comment (2025-07-17): Condition cannot be waived. There are both items against the borrower and seller. Provide the clear and final title policy or provide the supplement stating no judgments/ liens will appear on final title. | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839617 | xxxxxx | 33854714 | xxxxxx | 07/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay – Bank Statement Guidelines Require 12 or more Months | Ability to Repay (Dodd-Frank 2014): Guidelines require 12 or more consecutive months bank statements. (xxxxxx/Bank Statements) |  |  | Reviewer Comment (2025-08-08): The client restated the loan to Safe Harbor QM. | 08/08/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839617 | xxxxxx | 33854819 | xxxxxx | 07/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Co-borrower VVOE dated within 10 business days prior to closing was not provided. |  | Reviewer Comment (2025-08-08): The client restated the loan to Safe Harbor QM.<br>Reviewer Comment (2025-07-30): Paystub dated within 10 days of closing is not acceptable. The guidelines require a VVOE dated within 10 days prior to closing.<br>Reviewer Comment (2025-07-22): The VVOE is dated post-close and not acceptable. | 08/08/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | C | B A | Non QM | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839617 | xxxxxx | 33854821 | xxxxxx | 07/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx/Wages) | Co-borrower VVOE dated within 10 business days prior to closing was not provided. |  | Reviewer Comment (2025-08-08): The client restated the loan to Safe Harbor QM.<br>Reviewer Comment (2025-07-30): Paystub dated within 10 days of closing is not acceptable. The guidelines require a VVOE dated within 10 days prior to closing.<br>Reviewer Comment (2025-07-22): The VVOE is dated post-close and not acceptable. | 08/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839617 | xxxxxx | 33854822 | xxxxxx | 07/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Co-borrower VVOE dated within 10 business days prior to closing was not provided. |  | Reviewer Comment (2025-08-08): The client restated the loan to Safe Harbor QM.<br>Reviewer Comment (2025-07-30): Paystub dated within 10 days of closing is not acceptable. The guidelines require a VVOE dated within 10 days prior to closing.<br>Reviewer Comment (2025-07-22): The VVOE is dated post-close and not acceptable. | 08/08/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839617 | xxxxxx | 33886290 | xxxxxx | 07/10/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Co-borrower VVOE dated within 10 business days prior to closing was not provided. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-31): The client elects to waive.<br>Reviewer Comment (2025-07-30): Paystub dated within 10 days of closing is not acceptable. The guidelines require a VVOE dated within 10 days prior to closing.<br>Reviewer Comment (2025-07-22): The VVOE is dated post-close and not acceptable. |  |  | 07/31/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839617 | xxxxxx | 34172746 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | The client restated the loan to Safe Harbor QM. |  | Reviewer Comment (2025-08-08): The client elects to waive. |  |  | 08/08/2025 | 2 | A B | B A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839631 | xxxxxx | 33788722 | xxxxxx | 07/01/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-07-01): Client elects to waive |  |  | 07/01/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839631 | xxxxxx | 33817152 | xxxxxx | 07/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Seller xxxxxx, signing on behalf of xxxxxx, is missing. |  | Reviewer Comment (2025-07-29): Received updated Fraud report. Fraud & EPLS search run on Seller xxxxxx, signing on behalf of xxxxxx Exception cleared. | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839631 | xxxxxx | 33817352 | xxxxxx | 07/01/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.27137% exceeds Guideline loan to value percentage of 80.00000%. | Max for P&L program purchase is 80%. Based on the 1008, appears the lender utilized the higher appraised value to qualify vs. the lower purchased price. Updated Final CD, Seller CD, last printed stamped certified Final Closing Statement, and purchase contract addendum dated xxxxxx reflect purchase price of xxxxxx |  | Reviewer Comment (2025-08-04): LOE and corrected 1003 provided<br>Reviewer Comment (2025-07-30): Received re-draw of Note and DOT with new loan amount, FPL, IEAD, CD and 1008. Pending receipt of updated 1003 with correct loan amount and LOE to borrower on the reasoning for redraw.<br>Reviewer Comment (2025-07-15): In review of the 1008, the lender has the loan amount of xxxxxx when the Note reflects xxxxxx which renders the LTV excessive. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839631 | xxxxxx | 33817446 | xxxxxx | 07/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender xxxxxx ID, Contact Name, Contact xxxxxx ID). (Final xxxxxx) | xxxxxx ID is not reflected for the Lender on page 4. The CD with the correct purchase price of xxxxxx was deemed the final. |  | Reviewer Comment (2025-08-04): Exception cured prior to discovery.<br>Reviewer Comment (2025-07-31): Did not receive LOE to borrower that accompanied the Corrected CD. Please provide<br>Reviewer Comment (2025-07-31): reopening<br>Reviewer Comment (2025-07-31): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-07-30): SitusAMC received xxxxxx PCCD. Missing LOE to borrower which accompanied the cure. |  | 08/04/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839631 | xxxxxx | 33817447 | xxxxxx | 07/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $777,277.23 is under disclosed by $2,996.06 compared to the calculated Finance Charge of $780,273.29 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | he disclosed Finance Charge in the amount of $777,277.23 is under disclosed by $2,996.06 compared to the calculated Finance Charge of $780,273.29. The CD with the correct purchase price of xxxxxx was deemed the final. |  | Reviewer Comment (2025-08-04): Exception cured prior to discovery.<br>Reviewer Comment (2025-07-31): SitusAMC received Corrected Note and revised re-notarized Security Instrument and other re-draw docvuments. Please provide LOE to borrower notifying them of the corrected Note along with the prior security instrument and Note signed with the xxxxxx loan amount being void. One received, we can retest. |  | 08/04/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839631 | xxxxxx | 33817448 | xxxxxx | 07/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). The disclosed Total of Payments in the amount of $1,249,571.83 is under disclosed by $5,211.06 compared to the calculated total of payments of $1,254,782.89 which exceeds the $100.00 threshold. (Final xxxxxx) | The disclosed Total of Payments in the amount of $1,249,571.83 is under disclosed by $5,211.06. The CD with the correct purchase price of xxxxxx was deemed the final. |  | Reviewer Comment (2025-08-04): Exception cured prior to discovery.<br>Reviewer Comment (2025-07-31): SitusAMC received Corrected Note and revised re-notarized Security Instrument and other re-draw docvuments. Please provide LOE to borrower notifying them of the corrected Note along with the prior security instrument and Note signed with the xxxxxx loan amount being void. One received, we can retest. |  | 08/04/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839631 | xxxxxx | 33817449 | xxxxxx | 07/01/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees Greater than Final Closing Disclosure Seller Paid Fees | TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are greater than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final xxxxxx) | Seller CD fees do not match Final CD |  | Reviewer Comment (2025-08-04): Exception cured prior to discovery. | 08/04/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839631 | xxxxxx | 33817452 | xxxxxx | 07/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xxxxxx disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (Final xxxxxx) | P&I payment of $3,415.45 does not match calculated of $3,429.96. The CD with the correct purchase price of xxxxxx was deemed the final. |  | Reviewer Comment (2025-08-04): Exception cured prior to discovery.<br>Reviewer Comment (2025-07-31): SitusAMC received Corrected Note and revised re-notarized Security Instrument and other re-draw docvuments. Please provide LOE to borrower notifying them of the corrected Note along with the prior security instrument and Note signed with the xxxxxx loan amount being void. One received, we can retest.<br>Reviewer Comment (2025-07-18): SitusAMC received rebuttal that loan amount xxxxxx. However, the Promissory Note, Doc ID 0105, reflects Loan amount of xxxxxx and P&I of $3429.96. |  | 08/04/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839631 | xxxxxx | 33817453 | xxxxxx | 07/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2849244) | P&I payment of $3,415.45 does not match calculated of $3,429.96. The CD with the correct purchase price of xxxxxx was deemed the final. |  | Reviewer Comment (2025-08-04): Exception cured prior to discovery.<br>Reviewer Comment (2025-07-31): SitusAMC received Corrected Note and revised re-notarized Security Instrument and other re-draw docvuments. Please provide LOE to borrower notifying them of the corrected Note along with the prior security instrument and Note signed with the xxxxxx loan amount being void. One received, we can retest.<br>Reviewer Comment (2025-07-18): SitusAMC received rebuttal that loan amount xxxxxx. However, the Promissory Note, Doc ID 0105, reflects Loan amount of xxxxxx and P&I of $3429.96. |  | 08/04/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839632 | xxxxxx | 33842399 | xxxxxx | 07/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception for private road with no ingress or egress recording on title. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-10): Client elects to waive with verified compensation factors. The county map shows a roadway that is managed by the county, and the appraiser states there is legal ingress and egress. Subject does not appear to be xxxxxx. |  |  | 07/10/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839632 | xxxxxx | 33885851 | xxxxxx | 07/10/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the updated RCE. RCE in file is from 2019. |  | Reviewer Comment (2025-07-11): Updated RCE provided | 07/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839636 | xxxxxx | 33756160 | xxxxxx | 07/01/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | Borrower: xxxxxx Occupancy: Investment; Declarations/Will borrower occupy: Yes | Subject transaction is Purchase of Investment Property. However on Declaration (Section 5 A) "Will you occupy the property as your primary residence?" is checked as Yes on both initial and final 1003. Provide the corrected 1003 and lender attestation in regards to this. |  | Reviewer Comment (2025-08-26): Updated 1003 with lender attestation provided<br>Reviewer Comment (2025-08-17): The LOE was provided, however only addresses the dec page. Also, only the corrected dec page was provided. Please review the comments from xxxxxx The corrected dec page was only provided, however as noted on xxxxxx, the borrower's primary residence on page 1 now reflects rental on page 3. Provide all pages of the corrected and signed 1003 and lender attestation on error since both 1003's are incorrect.<br>Reviewer Comment (2025-07-22): The 1003 provided still reflects intent to occupy on dec page as well as the borrower's primary residence on page 1 now reflects rental on page 3. Provide the corrected and signed 1003 and lender attestation on error since both 1003's are incorrect. | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839636 | xxxxxx | 33784447 | xxxxxx | 07/01/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The 1003 does not reflect a 2 year residence history. Per LOE borrower purchased the property on xxxxxx in xxxxxx and prior to that rented at xxxxxx. |  | Reviewer Comment (2025-07-22): Updated 1003 provided | 07/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839636 | xxxxxx | 33784449 | xxxxxx | 07/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on seller, xxxxxx and xxxxxx, signers for xxxxxx; settlement agent, xxxxxx. |  | Reviewer Comment (2025-07-22): Received updated fraud report. Fraud and OFAC search run on the seller and settlement agent. Exception cleared.<br>Reviewer Comment (2025-07-16): Received GSA/HUD/LDP search for settlement agent and sellers. Provide OFAC search or updated fraud report for seller, xxxxxx and xxxxxx and settlement agent, xxxxxx. Exception remains. | 07/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839636 | xxxxxx | 33784486 | xxxxxx | 07/01/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Higher Priced as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | Subject transaction is Purchase of Investment Property. However on Declaration (Section 5 A) "Will you occupy the property as your primary residence?" is checked as Yes on both initial and final 1003 as well as Initial 1003 4a reflects Primary. Provide the corrected 1003 and lender attestation in regards to this. |  | Reviewer Comment (2025-08-26): Client elects to waive |  |  | 08/26/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839637 | xxxxxx | 33818791 | xxxxxx | 07/08/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Investor exception to allow transaction as a rate and term for an investor's who's recent rental experience is 7 months vs. 12 months with a < 1.00 DSCR and not owning primary residence for 1 year. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-05): Client elects to waive with verified compensation factors |  |  | 07/05/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839637 | xxxxxx | 33818793 | xxxxxx | 07/08/2025 | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | Borrower does not have the minimum 12 months reserves for an escrow waiver. Per the 1003, it appears the accounts were double counted. For account xxxxxx the total account balance as of xxxxxx is $xxxxxx and for account xxxxxx $xxxxxx. Total assets in combined account is $xxxxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-18): Client elects to waive with verified compensation factors |  |  | 07/18/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839637 | xxxxxx | 33844993 | xxxxxx | 07/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Second half of taxes due and deliq were not paid through closing (only open supplemental taxes paid). |  | Reviewer Comment (2025-07-11): Tax cert provided reflecting taxes paid. | 07/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839647 | xxxxxx | 33838686 | xxxxxx | 07/09/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) xxxxxx Covered Loan (Consumer Caution and Home Ownership Counseling Notice Not Provided) | xxxxxx Covered Loan: Borrower not provided with Consumer Caution and Home Ownership Counseling Notice. |  |  | Reviewer Comment (2025-07-22): Disclosure provided<br>Reviewer Comment (2025-07-14): The same documents were provided again that were previously provided on xxxxxx Please review comments from 7/14: Receive LOE to borrower, PC-CD, Copy of check and mailing label, however the lender cannot just provided a refund for this condition. There is no readily available cure for this condition.<br>Reviewer Comment (2025-07-14): Receive LOE to borrower, PC-CD, Copy of check and mailing label, however the lender cannot just provided a refund for this condition. There is no readily available cure for this condition. | 07/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839647 | xxxxxx | 33838687 | xxxxxx | 07/09/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) xxxxxx Covered Loan (Points and Fees) | xxxxxx Anti-Predatory Lending Statute: Points and Fees on subject loan of 6.11897% is in excess of the allowable maximum of 6.00000% of the Total Loan Amount. Points and Fees total xxxxxx on a Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .11897%). Non-Compliant High Cost Loan. |  |  | Reviewer Comment (2025-08-06): SitusAMC received within 45 days of discovery: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.<br>Reviewer Comment (2025-07-22): Email to investor on xxxxxx at 12:09pm: We can send this up to compliance to see what they have to say about the letter provided but prior to that, we will need a written attestation from Verus (email is fine) that they are accepting the narrow defense cure initialed by the lender.<br>Reviewer Comment (2025-07-14): The same documents were provided again that were previously provided on xxxxxx Please review comments from 7/14: Receive LOE to borrower, PC-CD, Copy of check and mailing label, however the lender cannot just provided a refund for this condition. There is no readily available cure for this condition.<br>Reviewer Comment (2025-07-14): Receive LOE to borrower, PC-CD, Copy of check and mailing label, however the lender cannot just provided a refund for this condition. There is no readily available cure for this condition. |  | 08/06/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 45 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D | C | B D | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839647 | xxxxxx | 33838688 | xxxxxx | 07/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. (Final xxxxxx) | The Estimated taxes, insurance & assessments under projected payments is not disclosed on Final CD. |  | Reviewer Comment (2025-07-11): SitusAMC received corrected PCCD and LOE. |  | 07/11/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B D | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839647 | xxxxxx | 33838689 | xxxxxx | 07/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are underdisclosed (Final xxxxxx) | The page 4 of Final CD, Escrow account, does not reflect any escrow information. |  | Reviewer Comment (2025-07-11): SitusAMC received corrected PCCD and LOE. |  | 07/11/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B D | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839647 | xxxxxx | 33838690 | xxxxxx | 07/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (Final xxxxxx) | The page 4 of Final CD, Escrow account, does not reflect any escrow information. |  | Reviewer Comment (2025-07-11): SitusAMC received corrected PCCD and LOE. |  | 07/11/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B D | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839647 | xxxxxx | 33838703 | xxxxxx | 07/09/2025 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53 | Note date: xxxxxx; Lien Position: 2 |  |  | Reviewer Comment (2025-07-23): BPO provided | 07/23/2025 |  |  | 1 | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839647 | xxxxxx | 33838706 | xxxxxx | 07/09/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-09): Client elects to waive. An AVM and a BPO were used for value. This is a CES loan. |  |  | 07/09/2025 | 2 | A | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839647 | xxxxxx | 34008085 | xxxxxx | 07/22/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) xxxxxx Covered Loan (Consumer Caution and Home Ownership Counseling Notice Not Provided Timely) | xxxxxx Covered Loan: Borrower not provided with Consumer Caution and Home Ownership Counseling Notice at least three (3) business days before closing. | Disclosure dated xxxxxx which is not within 3 business days prior to closing. |  | Reviewer Comment (2025-08-04): Earlier dated disclosure provided<br>Reviewer Comment (2025-07-22): Email to investor on xxxxxx at 12:09pm: We can send this up to compliance to see what they have to say about the letter provided but prior to that, we will need a written attestation from Verus (email is fine) that they are accepting the narrow defense cure initialed by the lender. | 08/04/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839670 | xxxxxx | 33747873 | xxxxxx | 06/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-07-01): Approval provided | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839670 | xxxxxx | 33747885 | xxxxxx | 06/30/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2025-07-01): OFAC provided | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839670 | xxxxxx | 33794535 | xxxxxx | 06/30/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The marital status is not checked for xxxxxx. Required to determine if spousal consent will be required. |  | Reviewer Comment (2025-07-01): Updated application provided with not married checked. | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839679 | xxxxxx | 33904477 | xxxxxx | 07/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of $575.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75127) | Cure nor valid COC provided. Clerical errors for omission do not warrant the fee being added and charged to the borrower. |  | Reviewer Comment (2025-08-20): SitusAMC received LOE suffice<br>Reviewer Comment (2025-07-31): SitusAMC received disclosure summary, however we require attestation confirming the fee name and amount disclosed on initial LE and revised LE are same fees. Please provide attestation to re-evaluate the exception.<br>Reviewer Comment (2025-07-18): SitusAMC received Changed Circumstances dated xxxxxx which state Investor changed. Changed circumstance is missing additional information and file documentation to confirm if a valid changed circumstance. Changing investors (or identifying an investor) are not considered valid changed circumstances in and of themselves, however, a change in fees due to the selection of a new investor or program based on ineligibility for prior loan programs or terms may be valid changed circumstances. If it can be demonstrated the change in program resulted from borrower ineligibility the Funding Fee is now required, the COC would be valid. Provide additional information to support the investor change now adds these fees due to prior program ineligibility or Cure would be due to borrower. | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839679 | xxxxxx | 33922745 | xxxxxx | 07/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, unable to determine the name of the authorized signor for the seller and if signor was included in the report. |  | Reviewer Comment (2025-08-06): Received updated fraud report including the missing participants. Exception cleared.<br>Reviewer Comment (2025-08-06): Received corporate resolution, however fraud and OFAC search is not run on the authorized signor of the selling entity, xxxxxx, xxxxxx and xxxxxx. Exception remains.<br>Reviewer Comment (2025-07-21): Received updated fraud report, Fraud and OFAC search is run on the selling entity. However, per guidelines it must be run on the individual. Also, per purchase contract unable to identify the authorized signor of the selling entity. Therefore provide document to verify the person who is authorized signor of the selling entity, along with Fraud and OFAC search. Exception remains. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839679 | xxxxxx | 33922893 | xxxxxx | 07/14/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Verification of Security Deposit | Required for departure residence. 1 month rent only provided. Lease reflects security deposit. |  | Reviewer Comment (2025-07-24): Received security deposit. Exception cleared. | 07/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839767 | xxxxxx | 33836199 | xxxxxx | 07/09/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Lender Cure of $200.00 reflecting on Final CD. |  | Reviewer Comment (2025-07-03): Sufficient Cure Provided At Closing |  | 07/03/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Second Home | Purchase | Final CD evidences Cure A | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839767 | xxxxxx | 33861595 | xxxxxx | 07/09/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The property legal description notes xxxxxx for the subject property. Appears to be a Site xxxxxx located in a PUD development. Appraiser notes PUD. The DOT only included a Condo Rider. Provide the corrected and executed DOT to included the PUD rider, executed PUD rider, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. |  | Reviewer Comment (2025-08-07): Correction agreement, corrected page 2 of the DOT, LOE to borrower, evidence of delivery to borrower and lender's LOI.<br>Reviewer Comment (2025-08-07): Received Mortgage is previous document that does not include PUD Rider. Also, received only 1 page of Mortgage that includes PUD Rider. Provide all pages of Mortgage signed and dated by borrower. Exception remains.<br>Reviewer Comment (2025-08-04): Received executed PUD rider and Detail Tracking, however the files is pending receipt of executed and corrected DOT to include PUD rider. Exception remains.<br>Reviewer Comment (2025-08-01): Requested document was not received. Please try uploading again. Exception Remains.<br>Reviewer Comment (2025-07-14): Received LOE to borrower, LOI and mailing label. Tracking must reflect at minimum transit. Further, unexecuted documents are not acceptable. Provide the executed and corrected DOT to include PUD rider and executed PUD rider. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839767 | xxxxxx | 33861625 | xxxxxx | 07/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: Unit number is missing |  | Reviewer Comment (2025-07-14): Updated title, revision 1 provided. | 07/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839767 | xxxxxx | 33861677 | xxxxxx | 07/09/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Unit number not provided |  | Reviewer Comment (2025-07-14): Updated appraisal provided | 07/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839772 | xxxxxx | 33599890 | xxxxxx | 06/12/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-06-13): Articles provided | 06/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839772 | xxxxxx | 33599893 | xxxxxx | 06/12/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  | Reviewer Comment (2025-06-13): OA provided. Both owners on the loan. | 06/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839772 | xxxxxx | 33599894 | xxxxxx | 06/12/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-06-13): OA provided | 06/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839772 | xxxxxx | 33606418 | xxxxxx | 06/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-06-24): Received fraud report and OFAC search run on authorized signor for seller, xxxxxx. Exception cleared. | 06/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839772 | xxxxxx | 33631254 | xxxxxx | 06/12/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU score 3.2, xxxxxx CU score 1.5. Due to conflicting scores, a secondary valuation is required. |  | Reviewer Comment (2025-06-16): CDA provided<br>Reviewer Comment (2025-06-16): CDA was not received. Please try uploading again. | 06/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839772 | xxxxxx | 33631260 | xxxxxx | 06/12/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-06-13): COGS provided | 06/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839772 | xxxxxx | 33631278 | xxxxxx | 06/12/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2025-06-13): EIN provided | 06/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839772 | xxxxxx | 33631401 | xxxxxx | 06/12/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $122,660.00 is less than Cash From Borrower $172,008.96. | xxxxxx has branches in the xxxxxx, however is not xxxxxx insured. Therefore can only be used for reserves. Further, there are two additional wires for funds to close provided on xxxxxx, however they are post-close and cannot be considered. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-07-28): Client elects to waive with verified compensation factors |  |  | 07/28/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839772 | xxxxxx | 33631415 | xxxxxx | 06/12/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | Short-term rental (STR) analysis form or 1007/1025 may be used. The analysis must include the following:<br> ▪ Provide the source of the data used to complete the STR analysis.<br> ▪ Include daily rental rate and occupancy percentage.<br> ▪ Factor seasonality and vacancy into the analysis. |  | Reviewer Comment (2025-06-18): STR analysis in lieu of adding missing 1007 STR data as guidelines require provided. See new condition as a result. | 06/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839772 | xxxxxx | 33701420 | xxxxxx | 06/18/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. | STR analysis in lieu of adding missing 1007 STR data as guidelines require provided post-review. Per guidelines, if multiple sources are provided for STR, the lowest is utilized. Lower income utilized and DSCR is < 1.00. Max for FN is 65% with DSCR < 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-07-28): Client elects to waive with verified compensation factors |  |  | 07/28/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839780 | xxxxxx | 33838643 | xxxxxx | 07/10/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Reflects old lien holder |  | Reviewer Comment (2025-07-17): Updated HOI provided | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839782 | xxxxxx | 33893629 | xxxxxx | 07/14/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.07217% or Final Disclosure APR of 10.07800% is equal to or greater than the threshold of APOR 6.88% + 1.5%, or 8.38000%. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  | Reviewer Comment (2025-07-25): Delivery provided<br>Reviewer Comment (2025-07-24): None of the documents provided clear this condition. This is for the appraisal delivery. The tracking provided does not indicate what documents were sent, which based on 6 pages does not seem to be the appraisal. | 07/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839782 | xxxxxx | 33893630 | xxxxxx | 07/14/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-07-25): Delivery provided<br>Reviewer Comment (2025-07-24): None of the documents provided clear this condition. This is for the appraisal delivery. The tracking provided does not indicate what documents were sent, which based on 6 pages does not seem to be the appraisal. | 07/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839782 | xxxxxx | 33893694 | xxxxxx | 07/14/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Expense Letter | The provided Tax Professional Attestation in file (D0371) reflects the document was signed on xxxxxx which is more than 3 years old. Provide an updated Tax Professional Attestation confirming the expense factor percentage on or before the Note date. |  | Reviewer Comment (2025-08-14): Received an updated Tax Professional Attestation. Exception cleared.<br>Reviewer Comment (2025-08-13): Received updated Tax Professional Attestation, please provide the initials of the CPA to acknowledge that the changes was made by the CPA. Exception remains.<br>Reviewer Comment (2025-07-28): Received CPA letter which was already in file. Provide an updated Tax Professional Attestation or CPA letter confirming the expense factor percentage on or before the Note date. Exception remains. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839782 | xxxxxx | 33893713 | xxxxxx | 07/14/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.77 is less than Guideline PITIA months reserves of 3.00. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-08-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-08-14): The received bank statement is dated post-close. Provide an additional bank statement to meet reserve requirements. Exception remains.<br>Reviewer Comment (2025-07-28): Please review comments from xxxxxx Gift funds cannot be used for reserves. Gift funds backed out and added to closing funds only. Cash to close is calculated as funds to close + EMD + POCB + any gifts/adjustments/1031 on the Final CD.<br>Reviewer Comment (2025-07-24): The same documents were uploaded that were previously uploaded. Cash to close is calculated as funds to close + EMD +POCB fees + any adjustments/gifts/1031 on the Final CD. Gifts for $20K and $26K were already received into the borrower's personal account xxxxxx. Based on the 1003, the lender utilized the full balance of $47,295 in account xxxxxx + gifts of $20,000 and $26,000 double counting them. |  |  | 08/17/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839782 | xxxxxx | 33893725 | xxxxxx | 07/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves. |  | Reviewer Comment (2025-08-17): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-08-15): The received bank statement is dated post-close. Provide an additional bank statement to meet reserve requirements. Exception remains.<br>Reviewer Comment (2025-07-28): Please review comments from xxxxxx Gift funds cannot be used for reserves. Gift funds backed out and added to closing funds only. Cash to close is calculated as funds to close + EMD + POCB + any gifts/adjustments/1031 on the Final CD.<br>Reviewer Comment (2025-07-24): The same documents were uploaded that were previously uploaded. Cash to close is calculated as funds to close + EMD +POCB fees + any adjustments/gifts/1031 on the Final CD. Gifts for $20K and $26K were already received into the borrower's personal account xxxxxx. Based on the 1003, the lender utilized the full balance of $47,295 in account xxxxxx + gifts of $20,000 and $26,000 double counting them. | 08/17/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839782 | xxxxxx | 33893726 | xxxxxx | 07/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves. |  | Reviewer Comment (2025-08-17): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-08-15): The received bank statement is dated post-close. Provide an additional bank statement to meet reserve requirements. Exception remains.<br>Reviewer Comment (2025-07-28): Please review comments from xxxxxx Gift funds cannot be used for reserves. Gift funds backed out and added to closing funds only. Cash to close is calculated as funds to close + EMD + POCB + any gifts/adjustments/1031 on the Final CD.<br>Reviewer Comment (2025-07-24): The same documents were uploaded that were previously uploaded. Cash to close is calculated as funds to close + EMD +POCB fees + any adjustments/gifts/1031 on the Final CD. Gifts for $20K and $26K were already received into the borrower's personal account xxxxxx. Based on the 1003, the lender utilized the full balance of $47,295 in account xxxxxx + gifts of $20,000 and $26,000 double counting them. | 08/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839800 | xxxxxx | 33908493 | xxxxxx | 07/16/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Investor Exception to allow for a first time investor to purchase a xxxxxx property, however comp factors are incorrect. DSCR is not > 1.30. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-07-17): Client elects to waive with verified compensation factors |  |  | 07/17/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839803 | xxxxxx | 33949336 | xxxxxx | 07/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-07-25): Received Articles of Organization. Exception cleared. | 07/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839803 | xxxxxx | 33949338 | xxxxxx | 07/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-07-25): Received Franchise Tax. Exception cleared. | 07/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839803 | xxxxxx | 33949340 | xxxxxx | 07/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-07-25): Received Operating Agreement. Exception cleared. | 07/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839803 | xxxxxx | 33949347 | xxxxxx | 07/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2025-08-04): Client elects to waive. PDI received dated xxxxxx: No Damage |  |  | 08/04/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839803 | xxxxxx | 33949357 | xxxxxx | 07/21/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-07-28): FTP provided | 07/28/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839803 | xxxxxx | 33949358 | xxxxxx | 07/21/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-07-28): FTP provided | 07/28/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839803 | xxxxxx | 33949367 | xxxxxx | 07/21/2025 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx |  |  | Reviewer Comment (2025-07-28): Updated 1003 provided signed by borrower reflecting unmarried. | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839803 | xxxxxx | 33973227 | xxxxxx | 07/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2025-07-25): Received Operating Agreement wherein borrower is 100% owner. Exception cleared. | 07/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839803 | xxxxxx | 33973341 | xxxxxx | 07/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Transfer Letter for Appraisal |  | Reviewer Comment (2025-07-28): Received Appraisal Transfer Letter. Exception cleared. | 07/28/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839804 | xxxxxx | 33783941 | xxxxxx | 07/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The DOT vesting on page 1, PPP Rider to the DOT and PPP addendum to the Note reflect that the Borrowing Entity is a xxxxxx; however, per the Entity documents, Entity is a xxxxxx. |  | Reviewer Comment (2025-08-05): Cert of good standing for xxxxxx provided<br>Reviewer Comment (2025-07-28): Received Articles, OA, and Corp Res. Pending receipt of COGS for the State of xxxxxx. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839805 | xxxxxx | 33709347 | xxxxxx | 06/24/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003. Borrower is a Perm Resident vs. xxxxxx per docs in file. |  | Reviewer Comment (2025-07-09): Updated 1003 provided | 07/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | B | B D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839805 | xxxxxx | 33709368 | xxxxxx | 06/24/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-08-15): Received Desk Review. Exception cleared. | 08/15/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | B | B D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839805 | xxxxxx | 33724381 | xxxxxx | 06/24/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Higher Priced as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | Initial 1003, dec page, reflects intent to occupy. |  | Reviewer Comment (2025-06-23): Client elects to waive |  |  | 06/23/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C A | B | B D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839841 | xxxxxx | 33806947 | xxxxxx | 07/02/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | First Cert of Good Standing in file does not have a pull date and the other was pulled on xxxxxx xxxxxx. |  | Reviewer Comment (2025-07-09): Received Certificate of Good Standing. Exception cleared. | 07/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839856 | xxxxxx | 33723764 | xxxxxx | 06/27/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | The Operating Agreements for xxxxxx are not executed. (Assets) |  | Reviewer Comment (2025-07-08): Signed OA's provided | 07/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839856 | xxxxxx | 33763397 | xxxxxx | 06/27/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The amount of coverage must be at least equal to:<br> • Replacement Cost coverage or similar verbiage as stated in the declarations page, or<br> • 100% of the insurable value of the improvements as established by the insurer or coverage amounts as<br> determined by xxxxxx's calculation from a full appraisal. The xxxxxx calculator provided does not have the estimated cost new from the appraisal entered in and the RCE was not provided form the agency. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-07-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-16): The updated coverage was obtained post-close and not acceptable. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-07-08): The blanket policy reflects it covers xxxxxx which is not our subject property. Further, the policy is liability coverage with only $68,500 in building coverage which is insufficient.<br>Reviewer Comment (2025-06-30): The attached does not clear this. The verbiage attached in the email references an HO6 policy and does not specify what the replacement cost is. Just says covers up to the dwelling coverage, which as of now is insufficient. If there is a Master Blanket HOI for the HOA that covers the units and it is not for common areas only, please provide that. |  |  | 07/17/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839876 | xxxxxx | 33938811 | xxxxxx | 07/17/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 1.22 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.25. | Investor Exception- Requesting an exception for the DSCR <1.25 (1.22 with updated taxes) and loan amount <$150,000. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-17): Client elects to waive with verified compensation factors |  |  | 07/17/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839879 | xxxxxx | 33654791 | xxxxxx | 06/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-07-02): Received Approval document. Exception cleared. | 07/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839879 | xxxxxx | 33661601 | xxxxxx | 06/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC not run on sellers, xxxxxx. |  | Reviewer Comment (2025-07-07): Received HUD/GSA/LDP search on sellers, xxxxxx. Exception cleared.<br>Reviewer Comment (2025-07-03): Received OFAC search run on sellers, xxxxxx. Therefore provide updated Fraud Report or HUD/GSA/LDP search. Exception remains. | 07/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839879 | xxxxxx | 33661635 | xxxxxx | 06/18/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Unit number is missing |  | Reviewer Comment (2025-07-11): Updated ARR provided | 07/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839879 | xxxxxx | 33674713 | xxxxxx | 06/18/2025 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | The blanket flood insurance has an effective date of xxxxxx which is post-close. Provide the pre-close policy. |  | Reviewer Comment (2025-07-08): Pre-close flood policy provided. Address is correct.<br>Reviewer Comment (2025-07-07): Received Flood Insurance reflects incorrect property address under Property Information. Exception remains. | 07/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839971 | xxxxxx | 34010364 | xxxxxx | 07/28/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $13.00 exceeds tolerance of $11.00. Sufficient or excess cure was provided to the borrower at Closing. (7579) |  |  | Reviewer Comment (2025-07-22): Sufficient Cure Provided At Closing |  | 07/22/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839971 | xxxxxx | 34010441 | xxxxxx | 07/28/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Provide gift letter for amount of $63,072.00 as per wire confirmation received in file dated xxxxxx (D0209). States wire came from other gift donor xxxxxx. |  | Reviewer Comment (2025-07-29): Received gift letter. Exception cleared. | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839971 | xxxxxx | 34047727 | xxxxxx | 07/28/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Addresses on insurance policy for xxxxxx do not match the note address. The appraisal pictures do not reference this on any building as well. |  | Reviewer Comment (2025-08-07): Updated HOI provided | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839989 | xxxxxx | 33933674 | xxxxxx | 07/16/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | The Prepayment Rider to the Security Agreement is not signed by the Non-Borrowing spouse. The Security Agreement and the other riders are signed by both. |  | Reviewer Comment (2025-08-01): Evidence of delivery provided. Mortgage attached to email to our borrower.<br>Reviewer Comment (2025-07-31): Received LOE to borrower. Provide evidence of delivery to borrower. Exception remains.<br>Reviewer Comment (2025-07-28): Received PPP Rider signed by non-borrower and letter of intent to record mortgage. Please provide LOE to borrower and evidence of delivery to borrower. Exception remains. | 08/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840002 | xxxxxx | 33784382 | xxxxxx | 07/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on sellers' xxxxxx, signers for xxxxxx. |  | Reviewer Comment (2025-07-28): Received Fraud and OFAC searches run on sellers' xxxxxx, signers for xxxxxx. Exception cleared. | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840002 | xxxxxx | 33806936 | xxxxxx | 07/01/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal reflects the assignment type as Refinance vs. Purchase and does not list that the appraiser reviewed the purchase contract or any purchase contract information. |  | Reviewer Comment (2025-07-30): Received updated Appraisal. Exception cleared. | 07/30/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840002 | xxxxxx | 33806950 | xxxxxx | 07/01/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Asset Documentation not provided |  | Per guidelines, IRA statements must be within 30 days of closing. |  | Reviewer Comment (2025-07-22): Received IRA statements. Exception cleared. | 07/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840017 | xxxxxx | 34059776 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  | Signature and Notary date for Constance not provided in file for the DOT. Both parties are vested on page 1 of the DOT. |  | Reviewer Comment (2025-08-07): Received executed & Notarised copy of Security Instrument signed by xxxxxx. Exception cleared. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840025 | xxxxxx | 34155752 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $308.60 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-08-06): Sufficient Cure Provided At Closing |  | 08/06/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840025 | xxxxxx | 34169295 | xxxxxx | 08/08/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Provide the xxxxxx Policy. Receipt only in file. |  | Reviewer Comment (2025-08-12): Received xxxxxx Policy. Exception cleared. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840067 | xxxxxx | 34074252 | xxxxxx | 08/04/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Proof of Ownership | Proof of % of Ownership is missing for xxxxxx Document provided reflects 2 owners. 2 owners does not mean an automatic xxxxxx split. |  | Reviewer Comment (2025-08-12): Received CPA letter with 100% Ownership for xxxxxx. Exception cleared.<br>Reviewer Comment (2025-08-07): Assigned to investor. Lender would like to waive.<br>Reviewer Comment (2025-08-05): The attesation is not acceptable. Being husband and wife does not automatically indicate a xxxxxx split. Evidence of the borrower's ownership % is required. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840067 | xxxxxx | 34074322 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Proof of % of Ownership is missing for xxxxxx Document provided reflects 2 owners. 2 owners does not mean an automatic xxxxxx split. |  | Reviewer Comment (2025-08-12): The required missing documents were provided.<br>Reviewer Comment (2025-08-07): Assigned to investor. Lender would like to waive.<br>Reviewer Comment (2025-08-05): The attesation is not acceptable. Being husband and wife does not automatically indicate a xxxxxx split. Evidence of the borrower's ownership % is required. | 08/12/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840067 | xxxxxx | 34074362 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Proof of % of Ownership is missing for xxxxxx Document provided reflects 2 owners. 2 owners does not mean an automatic xxxxxx split. |  | Reviewer Comment (2025-08-12): The required missing documents were provided.<br>Reviewer Comment (2025-08-07): Assigned to investor. Lender would like to waive.<br>Reviewer Comment (2025-08-05): The attesation is not acceptable. Being husband and wife does not automatically indicate a xxxxxx split. Evidence of the borrower's ownership % is required. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840067 | xxxxxx | 34074363 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $448,034.31 is over disclosed by $100.00 compared to the calculated Amount Financed of $447,934.31 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 xxxxxx). (Final xxxxxx) | The disclosed Amount Financed in the amount of $448,034.31 is over disclosed by $100.00 compared to the calculated Amount Financed of $447,934.31 |  | Reviewer Comment (2025-08-05): SitusAMC received LOA | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840067 | xxxxxx | 34074364 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $769,017.33 is under disclosed by $100.00 compared to the calculated Finance Charge of $769,117.33 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Finance Charge in the amount of $769,017.33 is under disclosed by $100.00 compared to the calculated Finance Charge of $769,117.33 |  | Reviewer Comment (2025-08-05): SitusAMC received LOA | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840067 | xxxxxx | 34135824 | xxxxxx | 08/04/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A xxxxxx dated within 10 days of Note date must be provided with the closed loan package. Gap in file is > 10 days from Note date. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-08-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-08-05): The same gap report was provided that was in file at time of review. Please review the original condition. A xxxxxx dated within 10 days of Note date must be provided with the closed loan package. Gap in file is > 10 days from Note date. |  |  | 08/07/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840145 | xxxxxx | 33808131 | xxxxxx | 07/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on the authorized signor for the Property Seller, xxxxxx. |  | Reviewer Comment (2025-07-22): Received updated Fraud Report to verify Fraud and OFAC search for seller. Exception cleared. | 07/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840157 | xxxxxx | 33854625 | xxxxxx | 07/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx signed the Guarantor Agreement as a xxxxxx; however, he owns 50% of the business. Per guidelines credit documents for this individual and none were provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-07-21): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-17): The individual signed the Guarantor agreement, therefore credit documents are required. |  |  | 07/21/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840226 | xxxxxx | 33654936 | xxxxxx | 06/18/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Final 1003 not provided for xxxxxx. |  | Reviewer Comment (2025-06-20): Final 1003 provided | 06/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B C | A | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840226 | xxxxxx | 33655827 | xxxxxx | 06/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx |  | Reviewer Comment (2025-06-24): PDI received dated xxxxxx: No Damage<br>Reviewer Comment (2025-06-20): PDI will be ordered | 06/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B C | A | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840226 | xxxxxx | 33655857 | xxxxxx | 06/18/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-06-24): CDA received<br>Reviewer Comment (2025-06-20): CDA will be ordered | 06/24/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Purchase | D B C | A | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840226 | xxxxxx | 33678315 | xxxxxx | 06/18/2025 | Credit | Income / Employment | Income Eligibility | Income / Employment | Restricted Stock Unit (RSU) Income is being used a qualifying income for the borrower, but is not allowed per the lender guidelines. Or, the RSU Income does not meet requirements. |  | 1) To prove a 3-year continuance, take the available number of RSUs on the Note date and multiply by the 52- week low stock price, then divide by 36 months. This monthly amount must be greater than or equal to the monthly qualifying amount. Provide the stock price as of the Note date. 2) Provide the executed RSU agreement. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Reviewer Comment (2025-07-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-21): 2024 account statement provided, however please review comments from 7/10: The executed RSU agreement was not provided and required. Also, the split article provided is from 2022 stating the split occurred on March 2022. Therefore, the share price as of the Note date is considered. Qualifying income is > thant the amount utilized to qualify (available RSU's x 52 week low stock price as of note date / 36) =$5,300.53. Qualifying is $9,899.31. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-07-10): The stock account statement would be available as of xxxxxx . Statements are usually quarterly. Further, the executed RSU agreement was not provided. Also, the split article provided is from 2022 stating the split occurred on March 2022. Therefore, the share price as of the Note date is considered. Qualifying income is > thant the amount utilized to qualify (available RSU's x 52 week low stock price as of note date / 36) =$5,300.53. Qualifying is $9,899.31. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-07-08): The most current 2024 statement needs to be provided for the stock account. Further, if there is no evidence of the split, then the stock price as of the Note will be utilized. In addition, the RSU agreement provided in file is not executed. |  |  | 07/28/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | D B C | A | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840226 | xxxxxx | 33723635 | xxxxxx | 06/23/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | xxxxxx / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  | Reviewer Comment (2025-06-24): CDA received<br>Reviewer Comment (2025-06-23): Valuation Received - xxxxxx  | 06/24/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | D B C | A | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840226 | xxxxxx | 33723639 | xxxxxx | 06/23/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | xxxxxx / Post Disaster Inspection + xxxxxx - 2 Days |  | Reviewer Comment (2025-06-24): PDI received<br>Reviewer Comment (2025-06-24): Valuation Received - xxxxxx  | 06/24/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | D B C | A | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840227 | xxxxxx | 33665606 | xxxxxx | 06/18/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Received HO6 policy reflects incorrect zip xxxxxx vs Note reflects xxxxxx. |  | Reviewer Comment (2025-07-01): Received updated HOI policy matching the note zip. Exception cleared.<br>Reviewer Comment (2025-06-30): No new documents received. Please try uploading again. | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840227 | xxxxxx | 33665611 | xxxxxx | 06/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  | Reviewer Comment (2025-06-24): Received HOA Questionnaire. Exception cleared.<br>Reviewer Comment (2025-06-23): No new document was received. Please provide document as requested on the original condition. Exception remains. | 06/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840227 | xxxxxx | 33684417 | xxxxxx | 06/18/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Power Of Attorney Preparation Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7545) | COC just states POA added but does not indicate a reasoning. |  | Reviewer Comment (2025-06-18): Sufficient Cure Provided At Closing |  | 06/18/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840229 | xxxxxx | 33647903 | xxxxxx | 06/18/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-06-20): E-Consent provided | 06/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840229 | xxxxxx | 33648026 | xxxxxx | 06/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-20): Loan was reviewed to investor CES guidelines which requires the senior lien original note. |  |  | 07/08/2025 | 2 | D B | D B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840229 | xxxxxx | 33648055 | xxxxxx | 06/18/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.50829% or Final Disclosure APR of 9.54100% is equal to or greater than the threshold of APOR 5.81% + 3.5%, or 9.31000%. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation |  | Reviewer Comment (2025-07-08): Client elects to waive. SOL 1 year expires xxxxxx . |  |  | 07/08/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840229 | xxxxxx | 33648151 | xxxxxx | 06/18/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-07-08): Client elects to waive. SOL 1 year expires xxxxxx . |  |  | 07/08/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840229 | xxxxxx | 33684524 | xxxxxx | 06/18/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The DOT has a PUD rider attached, however the appraisal does not reflect PUD or HOA dues. |  | Reviewer Comment (2025-07-30): LOE to borrower and evidence of delivery to borrower provided. Re-recorded DOT noting removal of PUD rider.<br>Reviewer Comment (2025-07-21): As noted previously, the LOE to borrower and evidence of delivery to borrower is required for the corrections. There is no evidence the re-corded DOT was re-recorded or who made the alterations to the DOT.<br>Reviewer Comment (2025-07-08): The recorded DOT provided still reflects the PUD rider checked as well as there is no LOE to borrower, evidence of delivery to borrower lender's letter of intent to re-record. It appears the document provided was attempted to be altered by adding a # over the PUD rider box, but it does not say who did this or when it was done.<br>Reviewer Comment (2025-06-20): The LOE is not acceptable. If the property is not in a PUD, the corrected and executed DOT removing the PUD rider is required, LOE to borrower, evidence of delivery to borrower and lender's letter of intent to re-record will be required. | 07/30/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840230 | xxxxxx | 34143498 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | The COC is dated xxxxxx , however the appraisal was completed on xxxxxx which is > 3 days from discovery. |  | Reviewer Comment (2025-08-28): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-08-25): SitusAMC received LOX and Copy of refund check. However, we would also require Post CD along with proof of mailing in order to cure the exception. |  | 08/28/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840238 | xxxxxx | 33726785 | xxxxxx | 06/27/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  |  | Reviewer Comment (2025-07-15): Received executed copy of Lease Agreement. Exception cleared.<br>Reviewer Comment (2025-07-08): The appraisal submitted with the file that reflects Tenant Occupied with a completed date of xxxxxx is the most recent as indicated by the addendum for updates. The appraiser updated to Tenant Occupied from original initial appraisal which reflected vacant, also with a completed date of xxxxxx  | 07/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840238 | xxxxxx | 33757520 | xxxxxx | 06/27/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject property mortgage does not appear on credit. VOM, Payoff, and Note provided. Provide the borrower 6 month pay history. |  | Reviewer Comment (2025-07-16): Received bank statement for borrower 6 month pay history. Exception cleared.<br>Reviewer Comment (2025-07-10): Received bank statement, however the file is missing xxxxxx to xxxxxx bank statement for the account #xxxxxx. Exception remains. | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840305 | xxxxxx | 33793611 | xxxxxx | 06/30/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The Final Settlement Statement in file is not signed/stamped certified. |  | Reviewer Comment (2025-07-11): Final stamped settlement statement provided | 07/11/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840307 | xxxxxx | 33903141 | xxxxxx | 07/16/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-07-25): FTP provided | 07/25/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840307 | xxxxxx | 33903142 | xxxxxx | 07/16/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-07-25): FTP provided<br>Reviewer Comment (2025-07-23): The same title policy was provided that was provided on xxxxxx Please review the comments on xxxxxx as well as the policy in file is a previous policy dated prior to revision 2 which reflects an insufficient amount. If this is an update, provide the email from title with updates.<br>Reviewer Comment (2025-07-22): The incorrect and correct title polices are dated and time stamped the same. Provide evidence which was provided last (i.e. email from title with updates) | 07/25/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840307 | xxxxxx | 33939390 | xxxxxx | 07/16/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | The proposed on the title policy reflects additional parties not reflected on the Security Instrument. |  | Reviewer Comment (2025-07-25): FTP provided<br>Reviewer Comment (2025-07-23): The same title policy was provided that was provided on xxxxxx The policy in file is a previous policy dated prior to revision 2 which reflects an insufficient amount and incorrect borrowers. If this is an update, provide the email from title with updates. | 07/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840313 | xxxxxx | 34066960 | xxxxxx | 08/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the fully completed and executed business purpose cert. |  | Reviewer Comment (2025-08-20): Received Business Purpose Certificate. Exception cleared.<br>Reviewer Comment (2025-08-05): The Letter of Explanation provided does not clear the exception. Kindly provide a fully completed and executed business purpose certificate. Exception remains. | 08/20/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840313 | xxxxxx | 34067244 | xxxxxx | 08/01/2025 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | The NSF/Overdraft transfers exceeded the allowable limit. Investor Exception is provided in the file and associated. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-08-01): Client elects to waive with verified compensation factors |  |  | 08/01/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840316 | xxxxxx | 33963626 | xxxxxx | 07/22/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $936.25. |  |  | Reviewer Comment (2025-08-04): Paid POCB fees provided<br>Reviewer Comment (2025-07-29): PC-CD which matches final closing statement updated for cash to close. Borrower is still short $936.25 which is the result of POCB fees. Provide the paid invoices to be included in the cash to close.<br>Reviewer Comment (2025-07-29): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $1,032.09. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840316 | xxxxxx | 33963686 | xxxxxx | 07/22/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | The provided VVOEs in file for both the employers are dated xxxxxx which is after the Note date xxxxxx . As per the guidelines, a VVOE should be dated no more than 10 calendar days prior to Note date. |  | Reviewer Comment (2025-08-04): VVOE's provided dated within10 days of closing.<br>Reviewer Comment (2025-07-29): The VVOE's provided are dated xxxxxx which is > 10 days prior to closing. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840316 | xxxxxx | 33963696 | xxxxxx | 07/22/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The provided VVOEs in file for both the employers are dated xxxxxx which is after the Note date xxxxxx . As per the guidelines, a VVOE should be dated no more than 10 calendar days prior to Note date. |  | Reviewer Comment (2025-08-04): VVOE's provided dated within10 days of closing.<br>Reviewer Comment (2025-07-29): The VVOE's provided are dated xxxxxx which is > 10 days prior to closing. | 08/04/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840316 | xxxxxx | 33963697 | xxxxxx | 07/22/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The provided VVOEs in file for both the employers are dated xxxxxx which is after the Note date xxxxxx . As per the guidelines, a VVOE should be dated no more than 10 calendar days prior to Note date. |  | Reviewer Comment (2025-08-04): VVOE's provided dated within10 days of closing.<br>Reviewer Comment (2025-07-29): The VVOE's provided are dated xxxxxx which is > 10 days prior to closing. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840332 | xxxxxx | 33854981 | xxxxxx | 07/11/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Missing both the blanket coverage policy and the HO6 policy. |  | Reviewer Comment (2025-07-16): Received Blanket coverage and HO6 policy. Exception cleared. | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 840332 | xxxxxx | 33855064 | xxxxxx | 07/11/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-07-29): Received Secondary Valuation. Exception cleared. | 07/29/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 840332 | xxxxxx | 33855207 | xxxxxx | 07/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception due to single entity owns 25% in the project. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-10): Client elects to waive with verified compensation factors |  |  | 07/10/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 840332 | xxxxxx | 33888131 | xxxxxx | 07/11/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal reflects a Unit number. |  | Reviewer Comment (2025-07-21): Updated appraisal provided | 07/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 840340 | xxxxxx | 33850709 | xxxxxx | 07/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file for insufficient blanket condo xxxxxx coverage. However, comp factors are incorrect. Reserves not exceed requirement by 10 months or more. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Credit Score 30+ points > minimum required | Reviewer Comment (2025-07-14): Client elects to waive with verified compensation factors |  |  | 07/14/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840340 | xxxxxx | 33850726 | xxxxxx | 07/11/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | First time investor with < 1.00 DSCR not allowed. Investor exception in file. However, comp factors are incorrect. Reserves not exceed requirement by 10 months or more. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Credit Score 30+ points > minimum required | Reviewer Comment (2025-07-14): Client elects to waive with verified compensation factors |  |  | 07/14/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840340 | xxxxxx | 33889544 | xxxxxx | 07/11/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HO6: Reflects Unit xxxxxx vs. xxxxxx. |  | Reviewer Comment (2025-07-21): Updated HO6 provided | 07/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840344 | xxxxxx | 33935537 | xxxxxx | 07/16/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Rental history must be evidenced by one of the following: Verification of Rent (VOR) completed by either an institutional or non institutional/private landlord; or Borrower's proof of payment (e.g., canceled check, bank transfer history, etc). |  | Reviewer Comment (2025-07-31): Received Property History Report to verify, prior to sale of property the property was free and clear. Exception cleared.<br>Reviewer Comment (2025-07-30): Received Final Settlement Statement, however, this does not cover the 12 months housing history. Therefore provide VOR covering the most recent 12 months of rental history or 12 months borrower's proof of payment. Exception remains. | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840344 | xxxxxx | 33935899 | xxxxxx | 07/16/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.71124% or Final Disclosure APR of 8.71100% is equal to or greater than the threshold of APOR 6.79% + 1.5%, or 8.29000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2025-07-29): Delivery provided<br>Reviewer Comment (2025-07-22): The delivery provided is for the initial prelim appraisal with a completion date of xxxxxx (delivery reflects xxxxxx). Need evidence of delivery for the updated appraisal dated xxxxxx  | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840344 | xxxxxx | 33935900 | xxxxxx | 07/16/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:xxxxxx xxxxxx |  |  | Reviewer Comment (2025-07-22): Appraisal delivery for the prelim appraisal provided | 07/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840344 | xxxxxx | 33935907 | xxxxxx | 07/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Final xxxxxx | Seller Closing Disclosure is missing and buyer closing disclosure dated xxxxxx does not reflect any seller paid fees. |  | Reviewer Comment (2025-07-31): SitusAMC received seller CD<br>Reviewer Comment (2025-07-30): SitusAMC received rebuttal comment but we need seller CD or true and certified copy of seller settlement statement to verify the fees and address the exception. | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840344 | xxxxxx | 33947844 | xxxxxx | 07/16/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Verification appraisal was delivered to borrower at least 3 business days prior to closing was not provided. |  | Reviewer Comment (2025-07-29): Delivery provided<br>Reviewer Comment (2025-07-22): The delivery provided is for the initial prelim appraisal with a completion date of xxxxxx (delivery reflects xxxxxx). Need evidence of delivery for the updated appraisal dated xxxxxx  | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840346 | xxxxxx | 33957452 | xxxxxx | 07/21/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-07-23): Received Credit Report - Gap. Exception cleared. | 07/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840346 | xxxxxx | 33957601 | xxxxxx | 07/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $998.00 exceeds tolerance of $895.00 plus 10% or $984.50. Insufficient or no cure was provided to the borrower. xxxxxx | 10% tolerance was exceeded by $13.50 due to addition of Deed Preparation fee and increase in recording fee. COC just states borrower requested, however does not state a reason as to why the borrower requested the deed nor when it became known a new deed would be required. |  | Reviewer Comment (2025-07-29): SItusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-07-28): SitusAMC received LOE to borrower, proof of mailing, Corrected CD. Missing Copy of Refund Check. |  | 07/29/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840346 | xxxxxx | 33989630 | xxxxxx | 07/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Last transfer of title was from xxxxxx, as sole and separate to xxxxxx, as sole and separate on xxxxxx . Provide the deed transferring title to both our borrowers on the loan. Deed in file is from the Trust to our borrowers. Further, based on transfer history, it is not known when the property was deeded out of our borrowers name to xxxxxx which may require a seasoning exception. |  | Reviewer Comment (2025-08-04): Deed provided<br>Reviewer Comment (2025-07-31): Deed provided reflecting xxxxxx within 20% interest and two individuals in 2006 and then those individuals transferred to the trust (which does not remove xxxxxx's interest). However, the deed is still needed to both our borrowers. Title and last deed are to xxxxxx as sole and separate. Both xxxxxx and xxxxxx are borrowers on the loan and closed as individuals.<br>Reviewer Comment (2025-07-23): None of the deeds provided address the condition. Please review the original condition. Last transfer of title was from xxxxxx, as sole and separate to xxxxxx, as sole and separate on xxxxxx . Provide the deed transferring title to both our borrowers on the loan. Deed in file is from the Trust to our borrowers. Further, based on transfer history, it is not known when the property was deeded out of our borrowers name to xxxxxx which may require a seasoning exception. | 08/04/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840400 | xxxxxx | 33879229 | xxxxxx | 07/15/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership and ownership % in xxxxxx. |  | Reviewer Comment (2025-07-29): Received Operating Agreement. Exception cleared.<br>Reviewer Comment (2025-07-25): Received Filed articles of organization, cannot be accepted to verify the ownership percentage of the business. Please provide Operating Agreement or CPA Letter to verify ownership percentage of business. Exception remains.<br>Reviewer Comment (2025-07-23): Received evidence of access is from other borrower. Provide evidence of ownership and ownership % in xxxxxx from LLC. Exception remains. | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840400 | xxxxxx | 33879241 | xxxxxx | 07/15/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-07-17): FTP provided | 07/17/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840400 | xxxxxx | 33926649 | xxxxxx | 07/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Guarantor Agreement was executed by xxxxxx, however no credit documents were provided for this individual. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-07-21): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-16): If the GA agreement was executed by the individual then they are guaranteeing the loan and require credit documents. Investor can elect to waive with verified compensation factors. |  |  | 07/21/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840400 | xxxxxx | 33926733 | xxxxxx | 07/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Title requires multiple satisfactions / releases for items (#5, #6, #7, #8) and payoff of 2024 taxes not paid. |  | Reviewer Comment (2025-07-17): Clear FTP provided | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840401 | xxxxxx | 34063668 | xxxxxx | 08/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim xxxxxx) |  |  | Reviewer Comment (2025-08-26): Client elects to waive. SOL 1 year expires xxxxxx<br>Reviewer Comment (2025-08-19): 19(e)(4)(ii)-1 <br> "Revised Loan<br> Estimate may not be delivered at the same time as the Closing Disclosure.<br> Section 1026.19(e)(4)(ii) prohibits a creditor from providing a revised version<br> of the disclosures required under § 1026.19(e)(1) on or after the date on whichthe creditor provides the disclosures required under § 1026.19(f)(1). Additionally, the transaction is a purchase and 1026.17(d)(2) applys. When two consumers are joint obligors with<br> primary liability on an obligation, the early disclosures required by<br> §1026.19(a), (e), or (g), as applicable, may be provided to any one of them.<br>Reviewer Comment (2025-08-13): SitusAMC received disclosure tracking summary indicates that LE dated xxxxxx and xxxxxx was sent and received by borrower. However, please see doc ID D0703 LE issued xxxxxx with estimated cash to close $66,276 and signed by co-applicant on xxxxxx after the initial CD issued. Any LE signed by borrowers must be included in testing and cannot be omitted from testing. Provide a lender attestation give the specific disclosure (xxxxxx LE doc ID D0706 is acceptable to specify) and explain why it was included in package for review and attest they were never issued or disclosed to borrower. |  |  | 08/26/2025 | 3 | C | C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840401 | xxxxxx | 34063745 | xxxxxx | 08/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final xxxxxx) | Final CD checked both the options 2. May hold & 3. does not accept. |  | Reviewer Comment (2025-08-05): SitusAMC received completed copy of xxxxxx CD. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | C | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840401 | xxxxxx | 34063746 | xxxxxx | 08/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,980.49 exceeds tolerance of $2,619.00. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points was last disclosed as $2,619.00 on the Loan Estimate, but was disclosed as $2,980.49 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 $361.49, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-08-06): SitusAMC received valid COC dated xxxxxx  | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840401 | xxxxxx | 34075703 | xxxxxx | 08/01/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. Missing for the borrower, xxxxxx. |  | Reviewer Comment (2025-08-06): Received UDM dated xxxxxx . Exception cleared. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840401 | xxxxxx | 34075734 | xxxxxx | 08/01/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-08-01): Client elect to waive |  |  | 08/01/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C A | C | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840419 | xxxxxx | 33950244 | xxxxxx | 07/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the business purpose cert |  | Reviewer Comment (2025-08-12): Received Business Purpose Certificate. Exception cleared. | 08/12/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840420 | xxxxxx | 33675325 | xxxxxx | 06/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The OA for xxxxxx is not executed. |  | Reviewer Comment (2025-07-15): Received executed copy of OA for xxxxxx. Exception cleared.<br>Reviewer Comment (2025-07-09): Part of the OA for xxxxxx was not executed under Exhibit A.<br>Reviewer Comment (2025-07-08): The same OA has been provided which was already included in the package. Provide executed copy of OA for xxxxxx which owns the Borrowing Entity. Exception remains.<br>Reviewer Comment (2025-07-03): The document provided is for the Borrowing Entity. The condition referenced is for the OA not signed for xxxxxx which owns the Borrowing Entity. | 07/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840420 | xxxxxx | 33707529 | xxxxxx | 06/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Recert of value does not have the effective date of appraisal update date. |  | Reviewer Comment (2025-07-03): Updated recert of value provided | 07/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840420 | xxxxxx | 33719530 | xxxxxx | 06/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx |  | Reviewer Comment (2025-07-03): 442 provided reflecting no damage. | 07/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840422 | xxxxxx | 33670427 | xxxxxx | 06/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The OA for xxxxxx is not executed. |  | Reviewer Comment (2025-06-25): Received executed copy of Operating Agreement for xxxxxx Exception cleared.<br>Reviewer Comment (2025-06-24): No new documents received for this condition. Please try re-uploading. | 06/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840422 | xxxxxx | 33719521 | xxxxxx | 06/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx |  | Reviewer Comment (2025-07-09): 442 provided dated xxxxxx : No Damage<br>Reviewer Comment (2025-06-24): The rebuttal is not acceptable. This is a new disaster for xxxxxx. Regardless when loan closed, per guidelines if disaster occurred after closing but prior to loan purchase PDI is required. A PDI will need to be provided. See section 2.9.9.3 of the investor's guidelines. | 07/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840426 | xxxxxx | 34137913 | xxxxxx | 08/08/2025 | Credit | Credit | xxxxxx Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 50.98648% exceeds Guideline total debt ratio of 50.00000%. | DTI exceeds 50%. PITIA of $7809.41 with total DTI payments of $13,710.18 Income of $26,000 gives a DTI of 51% | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-08-21): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-08-17): The DTI is over 50%. This included all audit income, credit, and REO liabilities. PITIA $7,809.41, Total income $29,000 (W2 + Rental income), total expenses $14,786.08. Total DTI 50.98648%. |  |  | 08/21/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840435 | xxxxxx | 33842680 | xxxxxx | 07/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender xxxxxx ID, Contact Name, Contact xxxxxx ID). (Final xxxxxx) | xxxxxx ID is not provided on the Final CD for the Lender xxxxxx |  | Reviewer Comment (2025-07-22): SitusAMC received PCCD. |  | 07/22/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840435 | xxxxxx | 33842697 | xxxxxx | 07/10/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-07-21): Rate lock provided | 07/21/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840435 | xxxxxx | 33864507 | xxxxxx | 07/10/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $225.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) | Appraisal Re-Inspection Fee was not disclosed on the Loan Estimate, but was disclosed as $225.00 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 $225.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-07-08): Sufficient Cure Provided At Closing |  | 07/08/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840435 | xxxxxx | 33885908 | xxxxxx | 07/10/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.72433% or Final Disclosure APR of 8.74000% is equal to or greater than the threshold of APOR 6.88% + 1.5%, or 8.38000%. Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2025-08-06): A credit card payment was reduced to match the gap report so the DTI is now 42.993%<br>Reviewer Comment (2025-07-21): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.72433% or Final Disclosure APR of 8.74000% is equal to or greater than the threshold of APOR 6.83% + 1.5%, or 8.33000%. Compliant Higher Priced Mortgage Loan. | 08/06/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840435 | xxxxxx | 34029369 | xxxxxx | 07/24/2025 | Credit | Credit | xxxxxx Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 44.96846% exceeds Guideline total debt ratio of 43.00000%. | Updated credit report received post-review dated prior to closing. Borrower took out new debt and increased others. Max 43% for rent free borrower. DTI exceeds guidelines. |  | Reviewer Comment (2025-08-06): A credit card payment was reduced to match the gap report, so the DTI is now 42.991% | 08/06/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840435 | xxxxxx | 34029391 | xxxxxx | 07/24/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.72433% or Final Disclosure APR of 8.74000% is equal to or greater than the threshold of APOR 6.88% + 1.5%, or 8.38000%. Non-Compliant Higher Priced Mortgage Loan. | Updated credit report received post-review. Loan no longer qualifies for QM APOR due to excessive DTI. Non-QM HPML loans require the appraisal to be delivered to the borrower within 3 business days prior to closing. There is a delivery in file dated xxxxxx with no evidence of borrower receipt, therefore the 3 day mailbox rule is applied and the presumed date is xxxxxx which is not within 3 business days prior to closing. |  | Reviewer Comment (2025-08-06): Evidence the appraisal was delivered on xxxxxx was provided. | 08/06/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840435 | xxxxxx | 34029393 | xxxxxx | 07/24/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Updated credit report received post-review. Loan no longer qualifies for QM APOR due to excessive DTI. Non-QM HPML loans require the appraisal to be delivered to the borrower within 3 business days prior to closing. There is a delivery in file dated xxxxxx with no evidence of borrower receipt, therefore the 3 day mailbox rule is applied and the presumed date is xxxxxx which is not within 3 business days prior to closing. |  | Reviewer Comment (2025-08-06): Evidence the appraisal was delivered on xxxxxx was provided. | 08/06/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840435 | xxxxxx | 34029394 | xxxxxx | 07/24/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Updated credit report received post-review dated prior to closing. Borrower took out new debt and increased others. Max 43% for rent free borrower. DTI exceeds guidelines. |  | Reviewer Comment (2025-08-06): A credit card payment was reduced to match the gap report so the DTI is now 42.993% | 08/06/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840435 | xxxxxx | 34029395 | xxxxxx | 07/24/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Updated credit report received post-review dated prior to closing. Borrower took out new debt and increased others. Max 43% for rent free borrower. DTI exceeds guidelines. |  | Reviewer Comment (2025-08-06): A credit card payment was reduced to match the gap report so the DTI is now 42.993% | 08/06/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840435 | xxxxxx | 34029396 | xxxxxx | 07/24/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 44.96846% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Updated credit report received post-review dated prior to closing. Borrower took out new debt and increased others. Max 43% for rent free borrower. DTI exceeds guidelines. |  | Reviewer Comment (2025-08-06): A credit card payment was reduced to match the gap report so the DTI is now 42.993% | 08/06/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840440 | xxxxxx | 33952128 | xxxxxx | 07/21/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Mortgagee reflects xxxxxx vs. xxxxxx |  | Reviewer Comment (2025-07-22): Updated HOI provided | 07/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840440 | xxxxxx | 33989107 | xxxxxx | 07/21/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Investor exception to waive housing payment history for former residence and proceed with just the current residence's rent free history of 0.5 year. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-21): Client elects to waive with verified compensation factors |  |  | 07/21/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840563 | xxxxxx | 34134278 | xxxxxx | 08/08/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | The Business Purpose Certificate in file shows the borrower's primary residence as the property and also states they will not occupy the property. Missing for the subject property. |  | Reviewer Comment (2025-08-28): Updated business purpose / occupancy cert provided for the subject property.<br>Reviewer Comment (2025-08-28): Received document combines both the Business Purpose and Occupancy Affidavit. Please provide a separate Business Purpose Certificate for the subject property. Exception remains.<br>Reviewer Comment (2025-08-12): Received Occupancy certificate which was already in file. Provide Business Purpose Certificate for the subject property. Exception remains. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840563 | xxxxxx | 34134293 | xxxxxx | 08/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The Business Purpose Certificate in file shows the borrower's primary residence as the property and also states they will not occupy the property. Missing for the subject property. |  | Reviewer Comment (2025-08-28): Updated business purpose / occupancy cert provided for the subject property.<br>Reviewer Comment (2025-08-28): Received document combines both the Business Purpose and Occupancy Affidavit. Please provide a separate Business Purpose Certificate for the subject property. Exception remains.<br>Reviewer Comment (2025-08-12): Received Occupancy certificate which was already in file. Provide Business Purpose Certificate for the subject property. Exception remains. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840576 | xxxxxx | 33832798 | xxxxxx | 06/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx<br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2025-06-26): Post Disaster Inspection provided, exception cleared.<br>Reviewer Comment (2025-06-19): The 1004 appraisal was provided xxxxxx , declaration is still weeks after on xxxxxx PDI is required. | 06/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840620 | xxxxxx | 33892651 | xxxxxx | 07/14/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. Secondary valuation from subject transaction is missing. Sec ID: 49 | Note date: xxxxxx; Lien Position: 2 |  |  | Reviewer Comment (2025-07-17): CU score of 1.0 provided | 07/17/2025 |  |  | 1 | N/A | N/A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | A | A D | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840620 | xxxxxx | 33892737 | xxxxxx | 07/14/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 692 is less than Guideline representative FICO score of 700. | Minimum 700 for investment CES loan. Investor exception in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-07-14): Client elects to waive with verified compensation factors |  |  | 07/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | A | A D | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840620 | xxxxxx | 33924474 | xxxxxx | 07/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. 2 liens on title and only 1 paid through closing. |  | Reviewer Comment (2025-07-16): Title supplement provided removing lien | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | A | A D | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840621 | xxxxxx | 33960400 | xxxxxx | 07/22/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $652.00 exceeds tolerance of $495.00 plus 10% or $544.50. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2025-07-17): Sufficient Cure Provided At Closing |  | 07/17/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | A | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840621 | xxxxxx | 33960405 | xxxxxx | 07/22/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $68.00 exceeds tolerance of $59.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-07-17): Sufficient Cure Provided At Closing |  | 07/17/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | A | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840621 | xxxxxx | 33960631 | xxxxxx | 07/22/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. |  | Reviewer Comment (2025-07-24): Received RCE. Exception cleared. | 07/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840621 | xxxxxx | 33960677 | xxxxxx | 07/22/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-22): Client elects to waive. Two AVMs from separate companies were used for value. This is a CES loan. |  |  | 07/22/2025 | 2 | A | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840621 | xxxxxx | 33996011 | xxxxxx | 07/22/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-22): Client elects to waive |  |  | 07/22/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840651 | xxxxxx | 34012437 | xxxxxx | 07/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender xxxxxx ID, Contact Name, Contact xxxxxx ID). (Final xxxxxx) | xxxxxx ID number for Lender not listed on the Final CD |  | Reviewer Comment (2025-08-06): SitusAMC received PCCD and LOE.<br>Reviewer Comment (2025-07-31): SitusAMC received Corrected CD. Missing copy of LOE that accompanied the PCCD to finalixe cure |  | 08/06/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840651 | xxxxxx | 34029168 | xxxxxx | 07/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception: Using 2 different business accounts for income qualification. Borrower has 2 locations however the mailing address on both accounts are mailed to the xxxxxx. xxxxxx and xxxxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-25): Client elects to waive with verified compensation factors |  |  | 07/25/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840651 | xxxxxx | 34048044 | xxxxxx | 07/28/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Large deposits were not sourced and/or letter of explanation was not provided. |  | Investor Exception: Using Cash for closing - Large cash deposits into personal & business account. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-25): Client elects to waive with verified compensation factors |  |  | 07/25/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840688 | xxxxxx | 34050988 | xxxxxx | 07/31/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  | Reviewer Comment (2025-08-04): Received Note Addendum - Prepayment document. Exception cleared. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | Yes | Property Focused |
| xxxxxx | 840688 | xxxxxx | 34099156 | xxxxxx | 07/31/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Investor exception for VOR payments to private party. Lump sum withdrawal slips only provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Experienced investor owns and manages 1 or more properties for 12 months. | Reviewer Comment (2025-07-30): Client elects to waive with verified compensation factors |  |  | 07/30/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840698 | xxxxxx | 33843320 | xxxxxx | 07/10/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-08-04): FTP provided | 08/04/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840698 | xxxxxx | 33843352 | xxxxxx | 07/10/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.08690% or Final Disclosure APR of 9.10200% is equal to or greater than the threshold of APOR 6.89% + 1.5%, or 8.39000%. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  | Reviewer Comment (2025-07-31): Delivery provided | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840698 | xxxxxx | 33843353 | xxxxxx | 07/10/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-07-31): Delivery provided | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840698 | xxxxxx | 33843356 | xxxxxx | 07/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $342.50 exceeds tolerance of $125.00. Insufficient or no cure was provided to the borrower. (7520) | The Credit Report Fee increased from $125.00 on the initial Loan Estimate to $342.50 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-08-03): SItusAMC received COC dated xxxxxx  | 08/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840698 | xxxxxx | 33846459 | xxxxxx | 07/10/2025 | Credit | Credit | xxxxxx Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.88 is less than Guideline PITIA months reserves of 6.00. |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-08-07): Client elects to waive with verified compensation factors |  |  | 08/07/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840698 | xxxxxx | 33846467 | xxxxxx | 07/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient assets |  | Reviewer Comment (2025-08-07): Loan designation updated to Non-QM. Condition no longer applies. | 08/07/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840698 | xxxxxx | 33846468 | xxxxxx | 07/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient assets |  | Reviewer Comment (2025-08-07): Loan designation updated to Non-QM. Condition no longer applies. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840698 | xxxxxx | 33885972 | xxxxxx | 07/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: Unit number is missing |  | Reviewer Comment (2025-08-04): Updated FTP provided | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840698 | xxxxxx | 33886021 | xxxxxx | 07/10/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HO6: Unit number is missing and address reflected is xxxxxx vs. xxxxxx. |  | Reviewer Comment (2025-08-07): Received corrected HOI Policy. Exception cleared.<br>Reviewer Comment (2025-08-04): The HOI provided reflects the unit number, however the other items were not updated per the original condition. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840698 | xxxxxx | 33886024 | xxxxxx | 07/10/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Unit number is missing |  | Reviewer Comment (2025-07-30): Updated flood cert provided | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840712 | xxxxxx | 33928248 | xxxxxx | 07/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-07-17): Final 1003's provided | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840712 | xxxxxx | 33934357 | xxxxxx | 07/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | PPP to the DOT only provided |  | Reviewer Comment (2025-07-23): Received PPP rider to DOT. Exception cleared. | 07/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 840712 | xxxxxx | 33935987 | xxxxxx | 07/15/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  | 1-4 Family / Assignments of Leases and Rents not provided on DOT or Rider in file. |  | Reviewer Comment (2025-08-05): Received recorded correction affidavit, corrected DOT, signed 1-4 family rider, LOE to borrower with LOI, and evidence of delivery to borrower.<br>Reviewer Comment (2025-07-30): Received 1-4 Family Rider, provided corrected and executed DOT, LOE to borrower and lender's intend to re-record and Delivery to borrower. Exception remains. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840712 | xxxxxx | 33936030 | xxxxxx | 07/15/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx P&L Statement, Third Party Verification | B2: 2023 business returns provided and YTD 2025 P&L. 1) Provide the gap YTD P&L for 2024 or signed and dated business returns. 2) Provide third party evidence of SE dated within 90 days of the Note. |  | Reviewer Comment (2025-07-22): B2 changed to Schedule C for business in 2024. Signed and dated 1040's provided.<br>Reviewer Comment (2025-07-22): Received third party evidence of SE dated within 90 days of the Note. Pending gap YTD P&L for 2024 or signed and dated business returns for 2024. Exception remains.<br>Reviewer Comment (2025-07-18): The documents provided was already included in the package earlier. Kindly provide documents which is requested in the original exception. Exception remains. | 07/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840745 | xxxxxx | 33970902 | xxxxxx | 07/22/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-07-29): Received Title Final. Exception cleared. | 07/29/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840745 | xxxxxx | 33970906 | xxxxxx | 07/22/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-07-29): Received Title Final. Exception cleared. | 07/29/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840745 | xxxxxx | 34005490 | xxxxxx | 07/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | UCC on title. Title LOE states the are issuing a xxxxxx endorsement. Provide the terms for the xxxxxx agreement. Include the xxxxxx financing balance in the LTV/CLTV ratio calculation (if unable to obtain, utilize original balance). The UCC fixture filing\* must be subordinated with one of the following.<br> o Subordination Agreement<br> o UCC Termination<br> ▪ Debt obligation is to be included in debt-to-income ratio and LTV/CLTV unless proof is provided verifying the debt has been paid down to zero (UCC termination does not automatically verify the debt is paid off).<br> CLTA Endorsement 150-06 is not eligible to be used in lieu of a Subordination agreement or UCC Termination. |  | Reviewer Comment (2025-08-22): Received Subordination Agreement. Exception cleared.<br>Reviewer Comment (2025-07-28): Cleared in error. Received xxxxxx agreement. However the file is missing Subordination agreement. Exception remains. | 08/22/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840826 | xxxxxx | 33794745 | xxxxxx | 07/02/2025 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Preliminary <br> State: xxxxxx |  |  | Reviewer Comment (2025-07-04): Received Final Title policy. Exception cleared. | 07/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840826 | xxxxxx | 33794748 | xxxxxx | 07/02/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-07-04): Received Final Title policy. Exception cleared. | 07/04/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840826 | xxxxxx | 33818245 | xxxxxx | 07/02/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Per N-2 of the purchases contract checked, it appears the lease is being transferred. N-1 for property delivered vacant is checked xxxxxx Appraisal reflects Tenant Occupied and notes in addendum ADU is Tenant Occupied for $1,500 month which is below market rent. Per guidelines, for ADU income to qualify on purchases, if the lease is transferred copy of lease agreement required. |  | Reviewer Comment (2025-07-24): Per client accepting addendum to contract signed and dated post-close removing the N-2 for lease transfer and not requiring the ADU lease.<br>Reviewer Comment (2025-07-23): The addendum provided is signed and dated post-close for the N2 requirement.<br>Reviewer Comment (2025-07-15): Received Purchase contract Addendum removing the N-2 requirement, however it is not executed by the sellers. Provide the executed copy. Exception remains. | 07/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840841 | xxxxxx | 33793647 | xxxxxx | 06/30/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (xxxxxx, etc.) not provided |  | The Vacation Rental Income statement does not have the 3 comparables listed and the 1007 does not have all information required for STR. Provide one of the updated documents. |  | Reviewer Comment (2025-07-11): Received updated appraisal report verifying the source of STR was verified from xxxxxx. Exception cleared.<br>Reviewer Comment (2025-07-01): Per guidelines, Short-term rental (STR) analysis form or 1007/1025 may be used. The analysis must include the following:<br> ▪ Provide the source of the data used to complete the STR analysis.<br> ▪ Include comparable STR properties, focusing on room count, gross living area (GLA), location, and market appeal.<br> ▪ Include daily rental rate and occupancy percentage.<br> ▪ Factor seasonality and vacancy into the analysis.<br> ▪ Must be completed by a licensed appraiser. | 07/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840841 | xxxxxx | 33793685 | xxxxxx | 06/30/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | The HOA questionnaire for litigations state to review publicindex. There is an email from the HOA that states to refer to the publicindex and there is no active litigation however per the publicindex submitted, there is a pending ADR/Sanctions as of xxxxxx and pending lis pendens as of xxxxxx & xxxxxx . | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-11): Client elects to waive with verified compensation factors. HOA confirmed (and documented) the pending litigation is foreclosure related and is not associated with the subject property unit. Also confirmed this is non-structural. |  |  | 07/11/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840859 | xxxxxx | 34030311 | xxxxxx | 07/25/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Appraisal reflects Tenant Occupied |  | Reviewer Comment (2025-07-31): Delayed financing. Per borrower LOE, let seller remain in property with no lease. Property qualifies under vacant / unleased LTV | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840888 | xxxxxx | 33875783 | xxxxxx | 07/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2025-07-18): Received full Fraud Report. Fraud and OFAC search run on the all participants. Exception Cleared. | 07/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840888 | xxxxxx | 33875785 | xxxxxx | 07/14/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  | Reviewer Comment (2025-07-18): Received OFAC search. Exception cleared. | 07/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840888 | xxxxxx | 33917063 | xxxxxx | 07/14/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Field Review not provided |  | If the enhanced desk review product reflects a value more than 10% below the appraised value or cannot provide a validation, the file must include either a field review or a second appraisal. These may not be from the same appraiser or appraisal company as the original report. To note, the CDA value was utilized to qualify. |  | Reviewer Comment (2025-07-31): The Field Review was provided, and they agree with the appraised value.<br>Reviewer Comment (2025-07-31): Received field review page 2 is blank, information are not updated. exception remains.<br>Reviewer Comment (2025-07-30): No new document was uploaded into clarity. Please provide the document as requested on the original condition. Exception remains. | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840910 | xxxxxx | 34015488 | xxxxxx | 07/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Business Purpose Certificate not located in the file only Occupancy Cert. |  | Reviewer Comment (2025-08-12): Received executed copy of Business Purpose Certificate. Exception cleared. | 08/12/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840910 | xxxxxx | 34015552 | xxxxxx | 07/24/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File is missing the prelim/commitment and the final title. The file only contains 2 title supplements. |  | Reviewer Comment (2025-07-30): Received Final Title. Exception cleared. | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840910 | xxxxxx | 34021134 | xxxxxx | 07/24/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the extension to the Note for xxxxxx as the maturity date was xxxxxx . |  | Reviewer Comment (2025-08-28): Extension provided<br>Reviewer Comment (2025-08-28): No new documents received. Please try uploading again.<br>Reviewer Comment (2025-08-25): Received VOM and pay history. However condition is raised for extension to the Note for xxxxxx as the maturity date was xxxxxx . Exception remains. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840910 | xxxxxx | 34021188 | xxxxxx | 07/24/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The liens for the REO properties do not appear on credit. VOM and Notes provided (xxxxxx). Provide borrower's 6 month pay history. |  | Reviewer Comment (2025-08-27): Per client, ok to apply < 12 months housing history requirements of 43% max DTI as well as LTV of 80% or less per guidelines in lieu of obtaining the additional documentation.<br>Reviewer Comment (2025-08-27): As noted in the previous comments, the original lien Note prior to refinance nor the xxxxxx cancelled check were located in file for the xxxxxx property. Please provide these documents or if investor is accepting what the lender has provided and not requiring anything else, please let us know and we will clear the condition.<br>Reviewer Comment (2025-08-27): Received 6 month pay history for the property on xxxxxx which encumbers 2 loans for a payment of $3,500/month. Received 5 months pay history for property on xxxxxx. Missing the xxxxxx cancelled check for a complete 6 months ($10000) and the original lien Note prior to refinance. Loan was refinanced on xxxxxx.<br>Reviewer Comment (2025-08-26): As per VOM mortgage originated date is xxxxxx with mortgage amount $xxxxxx and mortgage payment as $2500. Provide the pay history for this mortgage lien. Exception remains.<br>Reviewer Comment (2025-08-25): Received 6 months pay history for property xxxxxx. Also received 6 months pay history for property xxxxxx drive but October month payment missing. Provide pay history for October. Exception remains. | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840938 | xxxxxx | 33946125 | xxxxxx | 07/17/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-07-18): E-consent provided | 07/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840938 | xxxxxx | 33946305 | xxxxxx | 07/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are underdisclosed (Final xxxxxx) | Final CD does not list and amount of estimated property costs over year 1. Actual amount is $xxxxxx |  | Reviewer Comment (2025-07-30): SitusAMC received PCCD and LOE<br>Reviewer Comment (2025-07-25): SitusAMC received CD stating property cost over year 1 as $xxxxxx Whereas as per the calucation the Taxes $xxxxxx/ mo and Hazard insurance $446.67/mo = xxxxxx \*12 = 1xxxxxx. Kindly provide updated Post CD and LOX to reflect property cost over year 1 as $xxxxxx |  | 07/30/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840938 | xxxxxx | 33946306 | xxxxxx | 07/17/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $755.00 exceeds tolerance of $695.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2025-07-16): Sufficient Cure Provided At Closing |  | 07/16/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840938 | xxxxxx | 33946370 | xxxxxx | 07/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $490,121.85 is over disclosed by $380.00 compared to the calculated Amount Financed of $489,741.85 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 xxxxxx). (Final xxxxxx) | The disclosed Amount Financed in the amount of $490,121.85 is over disclosed by $380.00 compared to the calculated Amount Financed of $489,741.85. |  | Reviewer Comment (2025-08-18): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-08-14): SitusAMC received rebuttal that Technology fee $125 and Escrow Processing Fee $100 are not APR fees. However, SitusAMC in unable to determine these are not finance charges and based on the fee names, appear to be. Previously requested the following in order to determine: please provide attestation or other evidence from lender or payee describing the purpose of each of the following fees for further review: $155 AMC Service fee, $125 Technology fee, and $100 Escrow Processing Fee. The purpose of the fee or the function that the appraisal management company (AMC) performs determines if the fee is considered a finance charge. An attestation from the lender or AMC specifying the specific services and primary functions performed by the AMC will assist in determining whether or not the fee is a finance charge. The Technology fee and Escrow Processing fee appear to processing type fees which would be finance charges under §1026.4(a)(1) since the charges are not specifically excluded from finance charges under §1026.4(c)(7): fees related to issuance of title or preparation of loan-related documents such as deeds, mortgages, reconveyance or settlement documents, or other purposes that would qualify for exclusion from finance charge under §1026.4(c)(7). Alternatively, the exception may be cured with Corrected CD, LOE to borrower, copy of cure refund for the total underdisclosure of $380, re-opened rescission and proof of delivery. Re-opened rescission for all consumers: Transaction date must remain the same as loan transaction date and right to cancel expiration must be at least 3 business days after new signature/delivery date. Otherwise cure with Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $380, proof of mailing and proof of reopening of rescission to all consumeers.<br>Reviewer Comment (2025-07-30): As requested previously, please provide attestation or other evidence from lender or payee describing the purpose of each of the following fees for further review: $155 AMC Service fee, $125 Technology fee, and $100 Escrow Processing Fee. The purpose of the fee or the function that the appraisal management company (AMC) performs determines if the fee is considered a finance charge. An attestation from the lender or AMC specifying the specific services and primary functions performed by the AMC will assist in determining whether or not the fee is a finance charge. The Technology fee and Escrow Processing fee appear to processing type fees which would be finance charges under §1026.4(a)(1) since the charges are not specifically excluded from finance charges under §1026.4(c)(7): fees related to issuance of title or preparation of loan-related documents such as deeds, mortgages, reconveyance or settlement documents, or other purposes that would qualify for exclusion from finance charge under §1026.4(c)(7). Alternatively, the exception may be cured with Corrected CD, LOE to borrower, copy of cure refund for the total underdisclosure of $380, re-opened rescission and proof of delivery. Re-opened rescission for all consumers: Transaction date must remain the same as loan transaction date and right to cancel expiration must be at least 3 business days after new signature/delivery date.<br>Reviewer Comment (2025-07-25): Finance charge is underdisclosed by $380 and comparing to lender's compliance report the following fees were not included in lender calculation: $125 Technology Fee, $100 Title-Escrow Processing Fee & $155 Appraisal Management Fee. If lender feels any of the fees are not finance charge, we require a Lender's Attestation giving the specific services/purpose of the fees. On the AMC fee, The AMC portion could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge .Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges. Otherwise cure would be Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure, proof of mailing and proof of reopening of rescission. |  | 08/18/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840938 | xxxxxx | 33946372 | xxxxxx | 07/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. (Final xxxxxx) | Projected Payments section (page 1): Estimated Taxes, Insurance, & Assessments reflects $0.00. |  | Reviewer Comment (2025-07-30): SitusAMC received PCCD and LOE<br>Reviewer Comment (2025-07-25): SitusAMC received CD dated xxxxxx stating estimated taxes, insurance & Assessments as $2 however as per the calculation the Estimated Taxes, Insurance & assessments are $1159.66. Kindly provide updated Post CD along with LOX. |  | 07/30/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840938 | xxxxxx | 33946374 | xxxxxx | 07/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,039,853.83 is under disclosed by $380.00 compared to the calculated Finance Charge of $1,040,233.83 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Finance Charge in the amount of $1,039,853.83 is under disclosed by $380.00 compared to the calculated Finance Charge of $1,040,233.83. |  | Reviewer Comment (2025-08-18): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-08-14): SitusAMC received rebuttal that Technology fee $125 and Escrow Processing Fee $100 are not APR fees. However, SitusAMC in unable to determine these are not finance charges and based on the fee names, appear to be. Previously requested the following in order to determine: please provide attestation or other evidence from lender or payee describing the purpose of each of the following fees for further review: $155 AMC Service fee, $125 Technology fee, and $100 Escrow Processing Fee. The purpose of the fee or the function that the appraisal management company (AMC) performs determines if the fee is considered a finance charge. An attestation from the lender or AMC specifying the specific services and primary functions performed by the AMC will assist in determining whether or not the fee is a finance charge. The Technology fee and Escrow Processing fee appear to processing type fees which would be finance charges under §1026.4(a)(1) since the charges are not specifically excluded from finance charges under §1026.4(c)(7): fees related to issuance of title or preparation of loan-related documents such as deeds, mortgages, reconveyance or settlement documents, or other purposes that would qualify for exclusion from finance charge under §1026.4(c)(7). Alternatively, the exception may be cured with Corrected CD, LOE to borrower, copy of cure refund for the total underdisclosure of $380, re-opened rescission and proof of delivery. Re-opened rescission for all consumers: Transaction date must remain the same as loan transaction date and right to cancel expiration must be at least 3 business days after new signature/delivery date. Otherwise cure with Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $380, proof of mailing and proof of reopening of rescission to all consumeers.<br>Reviewer Comment (2025-07-30): As requested previously, please provide attestation or other evidence from lender or payee describing the purpose of each of the following fees for further review: $155 AMC Service fee, $125 Technology fee, and $100 Escrow Processing Fee. The purpose of the fee or the function that the appraisal management company (AMC) performs determines if the fee is considered a finance charge. An attestation from the lender or AMC specifying the specific services and primary functions performed by the AMC will assist in determining whether or not the fee is a finance charge. The Technology fee and Escrow Processing fee appear to processing type fees which would be finance charges under §1026.4(a)(1) since the charges are not specifically excluded from finance charges under §1026.4(c)(7): fees related to issuance of title or preparation of loan-related documents such as deeds, mortgages, reconveyance or settlement documents, or other purposes that would qualify for exclusion from finance charge under §1026.4(c)(7). Alternatively, the exception may be cured with Corrected CD, LOE to borrower, copy of cure refund for the total underdisclosure of $380, re-opened rescission and proof of delivery. Re-opened rescission for all consumers: Transaction date must remain the same as loan transaction date and right to cancel expiration must be at least 3 business days after new signature/delivery date.<br>Reviewer Comment (2025-07-25): Finance charge is underdisclosed by $380 and comparing to lender's compliance report the following fees were not included in lender calculation: $125 Technology Fee, $100 Title-Escrow Processing Fee & $155 Appraisal Management Fee. If lender feels any of the fees are not finance charge, we require a Lender's Attestation giving the specific services/purpose of the fees. On the AMC fee, The AMC portion could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge .Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges. Otherwise cure would be Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure, proof of mailing and proof of reopening of rescission. |  | 08/18/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840938 | xxxxxx | 33946377 | xxxxxx | 07/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (Final xxxxxx) | Will not have an escrow account is checked and Non-Escrowed Property Costs over Year 1 is blank. |  | Reviewer Comment (2025-07-30): SitusAMC received PCCD and LOE<br>Reviewer Comment (2025-07-25): SitusAMC received CD dated xxxxxx however we would require correction to be made on Post CD. Kindly provide correction on Post CD along with LOX. |  | 07/30/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840938 | xxxxxx | 33946378 | xxxxxx | 07/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Reason for not having an escrow account was not checked. |  | Reviewer Comment (2025-07-30): SitusAMC received PCCD and LOE<br>Reviewer Comment (2025-07-25): SitusAMC received CD dated xxxxxx however we would require correction to be made on Post CD. Kindly provide correction on Post CD along with LOX. |  | 07/30/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840938 | xxxxxx | 33946463 | xxxxxx | 07/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing History for REO property on xxxxxx with mortgage xxxxxx is missing. Provide Mortgage statement or Note for the review period to verify monthly payment amount, 12-months Verification of Mortgage form (VOM) completed by the creditor/service & proof of borrower's payment for the most recent 6-months. |  | Reviewer Comment (2025-08-05): Received corrected 1003 and 1008. Exception cleared.<br>Reviewer Comment (2025-07-29): Final 1003 reflects mortgage lien with xxxxxx in amount of xxxxxx, that is not reported on credit report. Therefore provide Provide Mortgage statement or Note and 12-months Verification of Mortgage form (VOM) and the most recent 6-months borrower's payment. Exception remains.<br>Reviewer Comment (2025-07-23): Received Mortgage Statement. Provide 12-months Verification of Mortgage form (VOM) completed by the creditor/service & proof of borrower's payment for the most recent 6-months. Exception remains. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840938 | xxxxxx | 33957786 | xxxxxx | 07/17/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The policy that is in effect at time of closing is used to qualify. The policy active at time of closing has dwelling coverage of $xxxxxx. There is a post-close policy in file, however this is not acceptable. |  | Reviewer Comment (2025-08-29): Updated pre-close policy provided with sufficient coverage<br>Reviewer Comment (2025-08-28): The preclose policy does not reflect xxxxxx. It reflects xxxxxx<br>Reviewer Comment (2025-08-28): The same comments were provided that were previously provide. See comments from 8/27: As noted in the original condition and previous comments, post close policies are not acceptable. The coverage needed to be sufficient at time of closing. The pre-close policy only had xxxxxx in coverage. Email to investor: Everything appears correct on the post-close policy, including sufficient coverage.<br>Reviewer Comment (2025-08-27): As noted in the original condition and previous comments, post close policies are not acceptable. The coverage needed to be sufficient at time of closing. The pre-close policy only had xxxxxx in coverage.<br>Reviewer Comment (2025-08-18): The RCE does not clear this condition. Please review the previous comments and the original condition. The same policy was provided that were in file at time of review. Please review the original condition and comments from xxxxxx The policy that is in effect at time of closing is used to qualify. The policy active at time of closing has dwelling coverage of xxxxxx. There is a post-close policy in file, however this is not acceptable. It should also be noted RCE is from xxxxxx and not acceptable.<br>Reviewer Comment (2025-07-30): The same policy was provided that were in file at time of review. Please review the original condition and comments from xxxxxx The policy that is in effect at time of closing is used to qualify. The policy active at time of closing has dwelling coverage of xxxxxx. There is a post-close policy in file, however this is not acceptable.<br>Reviewer Comment (2025-07-23): The same policies were provided that were in file at time of review. Please review the original condition. The policy that is in effect at time of closing is used to qualify. The policy active at time of closing has dwelling coverage of xxxxxx. There is a post-close policy in file, however this is not acceptable. | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840980 | xxxxxx | 34041856 | xxxxxx | 07/28/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide evidence the borrower has received bonus income for at least 1 year as required per guidelines. Bonus income reflected on TWN for 2025 but previous job TWN and current job do not reflect any bonus income for 2024. Income is needed to qualify. |  | Reviewer Comment (2025-08-05): Email from employer provided on income. TWN previous job reflects bonus income and current as well for 1 year income.<br>Reviewer Comment (2025-08-05): Based on the email from the employer, the borrower was promoted in xxxxxx in which the (doesn't say when) in which the bonus started. We need to know when the borrower started receiving the bonus / promoted to determine 1 year of bonus income. It is not relevant how the income was calculated for this condition, but that it was received for at least 1 year as required per guidelines. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840981 | xxxxxx | 33950023 | xxxxxx | 07/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Must contain all participants. |  | Reviewer Comment (2025-07-23): Received Fraud Report and OFAC search run on all participants. Exception cleared. | 07/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840981 | xxxxxx | 33950108 | xxxxxx | 07/18/2025 | Compliance | Compliance | State Compliance | State Defect | xxxxxx SB270 Prepayment Penalty Test 2009 Investment Test | xxxxxx SB270: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. |  |  | Reviewer Comment (2025-07-18): Client elects to waive |  |  | 07/18/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840981 | xxxxxx | 33970799 | xxxxxx | 07/18/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 50.42190% exceeds Guideline total debt ratio of 50.00000%. | 2023 tax returns in file for 2 SE businesses (xxxxxx and xxxxxx). YTD borrower prepared 2024 and 2025 P&L's reflect income is declining. Utilized the most conservative amount to qualify (YTD). Lender utilized higher 2023 tax returns. |  | Reviewer Comment (2025-08-04): Used long average (2 Years + YTD) income DTI is in-line. Exception cleared. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840981 | xxxxxx | 33970896 | xxxxxx | 07/18/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx P&L Statement | 1) The 2025 YTD P&L's are not signed and dated by the borrower for xxxxxx and xxxxxx 2) 2023 1040's are not signed and dated by the borrower. |  | Reviewer Comment (2025-08-04): Received signed and dated P&L for the business. Exception cleared.<br>Reviewer Comment (2025-07-31): Received signed and dated 2023 1040's and 2025 YTD P&L for xxxxxx and xxxxxx. The P&L for both business is signed and dated by both borrowers that is dated post closing and only xxxxxx is the owner of the business. Exception remains. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 840988 | xxxxxx | 33963206 | xxxxxx | 07/23/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  | Reviewer Comment (2025-07-25): xxxxxx approval provided. Per guidelines, All Loans secured by condominium projects require a completed Condominium Project Questionnaire except<br> for:<br> o Projects with a xxxxxx approval subject to the following:<br> ▪ xxxxxx approval must not be expired as of the Note date.<br> ▪ File must contain a PDF print-out of the xxxxxx approval. The PDF document must include a print date<br> that verifies the PDF print-out is generated within 10 days of the Note date | 07/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840988 | xxxxxx | 33963225 | xxxxxx | 07/23/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Provide trust agreement for xxxxxx. Funds transferred to close from account. |  | Reviewer Comment (2025-07-28): Received Trust Agreement. Exception cleared. | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840988 | xxxxxx | 33963245 | xxxxxx | 07/23/2025 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  | Blanket Insurance expired xxxxxx . Provide the active master policy for flood and HOI. |  | Reviewer Comment (2025-07-25): Updated Blanket provided | 07/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840988 | xxxxxx | 33963264 | xxxxxx | 07/23/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-07-30): Updated title provided<br>Reviewer Comment (2025-07-24): The incorrect and correct title policies are dated the same. Provide evidence of which was provided last (i.e. email from title with updates). | 07/30/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840998 | xxxxxx | 34236597 | xxxxxx | 08/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception- Master Flood insurance policy does not cover contents of subject. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-25): Client elects to waive with verified compensation factors |  |  | 08/25/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A C B |  | N/A | No | Property Focused |
| xxxxxx | 840998 | xxxxxx | 34236642 | xxxxxx | 08/22/2025 | Property | Credit | General | Credit | The property type differs between the valuation documents in file. Unable to verify the property type. Ineligible per guidelines. |  | The appraisal and desk review completed for xxxxxx reflects xxxxxx (which is xxxxxx. The appraisal completed for xxxxxx). | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-27): Updated per previous CSMR<br>Reviewer Comment (2025-08-27): The client elects to waive.<br>Reviewer Comment (2025-08-27): Per (CSMR-538956) Property Types xxxxxx vs xxxxxx updated all RA to grade of B. |  |  | 08/27/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A C B |  | N/A | No | Property Focused |
| xxxxxx | 841024 | xxxxxx | 33927000 | xxxxxx | 07/17/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 903.05, Credit Report: Original // Public Record Type: Judgments / Balance: 2004.75, Credit Report: Original // Public Record Type: Judgments / Balance: 17329.13 | All open judgments must be paid off prior to or at loan closing. |  | Reviewer Comment (2025-07-21): Client accepting DOB county search run and clear title and fraud report as proof judgements are not against our borrower. Requested clearance. | 07/21/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841024 | xxxxxx | 33927133 | xxxxxx | 07/17/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Property has an active listing as of xxxxxx for xxxxxx. |  | Reviewer Comment (2025-07-18): Listing removed provided dated 6.21. 3 year PPP on file which is allowed for investments per guidelines for listings < 6 months. | 07/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841024 | xxxxxx | 33960857 | xxxxxx | 07/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Per the settlement statement in file, borrower purchased property on xxxxxx and took out a lien with xxxxxx for xxxxxx. Provide evidence of housing history and evidence lien as paid off as not reporting on title, not paid off through closing and not on credit report. |  | Reviewer Comment (2025-07-18): Property profile report provided reflecting release as of xxxxxx (loan taken out xxxxxx). No housing history required. | 07/18/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841024 | xxxxxx | 33960930 | xxxxxx | 07/17/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Per the settlement statement in file, borrower purchased property on xxxxxx and took out a lien with xxxxxx for xxxxxx. Borrower has been vested < 6 months which is not allowed on C/O unless property was inherited or part of a court order. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-21): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-21): The property profile report does not trump the title report nor purchase settlement statement which both reflect borrower purchased / took ownership of the property on xxxxxx .<br>Reviewer Comment (2025-07-18): The exception provided is only to use appraised value. Per guidelines, < 6 months ownership on C/O is not allowed unless it is an inherited property or court order. This is a separate exception. |  |  | 07/21/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841024 | xxxxxx | 33992057 | xxxxxx | 07/21/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Properties owned for < 12 months are limited to the lower of the purchase price + doc improvements or appraised value. Lender utilized the higher appraised value. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-21): Client elects to waive with verified compensation factors |  |  | 07/21/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841028 | xxxxxx | 33732559 | xxxxxx | 06/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, signor for seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-07-09): Received updated Fraud Report. Fraud & OFAC search ran on Seller xxxxxx. Exception cleared. | 07/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841028 | xxxxxx | 33732613 | xxxxxx | 06/30/2025 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  | Reviewer Comment (2025-07-02): Received Title Commitment. Exception cleared. | 07/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841028 | xxxxxx | 33789658 | xxxxxx | 06/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per investor overlay, Effective immediately, Verus will no longer purchase loans for investor-occupied properties located in xxxxxx for Investor Occupancy DSCR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-01): Client elects to waive with verified compensation factors |  |  | 07/01/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841036 | xxxxxx | 34004902 | xxxxxx | 07/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, Non-Perm Residents require 24 months of income qualification. Per investor and seller, loan is to be qualified off of 12 months. |  | Reviewer Comment (2025-08-06): Client requested re-review to 24 months bank statements<br>Reviewer Comment (2025-08-04): As noted in the exception and email provided by xxxxxx, the client and seller notified DD that this is to be reviewed as a 12 month bank statement loan. If not requires a re-underwrite to 24 months, this will need to come from the investor. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841036 | xxxxxx | 34018992 | xxxxxx | 07/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-08-04): Received UW Transmittal Summary (1008). Exception cleared. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841036 | xxxxxx | 34018994 | xxxxxx | 07/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full fraud report not provided. Must contain all participants. |  | Reviewer Comment (2025-08-04): Received Fraud report reflecting all the parties involved in the tranaction. Exception cleared. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841036 | xxxxxx | 34019060 | xxxxxx | 07/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Application Fee. Fee Amount of $2,325.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7306) | Fee Amount of $2,325.00 exceeds tolerance of $0.00. Valid COC not located in file. Locking the rate would not add an application fee. |  | Reviewer Comment (2025-08-07): SitusAMC received additional information that supports the fee name updates and lock on initial CD | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841036 | xxxxxx | 34031268 | xxxxxx | 07/28/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 4.68 is less than Guideline PITIA months reserves of 6.00. | FTHB require 6 months reserves per guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-08-13): Received updated 1003 is not sufficient. Provide additional asset documentation to meet the reserve requirement. Exception remains. |  |  | 08/17/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841036 | xxxxxx | 34031327 | xxxxxx | 07/28/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves |  | Reviewer Comment (2025-08-17): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-08-13): Received updated 1003 is not sufficient. Provide additional asset documentation to meet the reserve requirement. Exception remains. | 08/17/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841036 | xxxxxx | 34031328 | xxxxxx | 07/28/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves |  | Reviewer Comment (2025-08-17): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-08-13): Received updated 1003 is not sufficient. Provide additional asset documentation to meet the reserve requirement. Exception remains. | 08/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841036 | xxxxxx | 34043202 | xxxxxx | 07/28/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-08-04): Received Undisclosed Debt Notification Report. Exception Cleared. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841046 | xxxxxx | 34064138 | xxxxxx | 08/01/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of $12,362.43 is less than Guideline Available for Reserves of $12,942.51. | POCB paid invoice for appraisal fee not provided for $600. |  | Reviewer Comment (2025-08-07): Received paid invoice for appraisal fee. Exception cleared. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841071 | xxxxxx | 33987486 | xxxxxx | 07/22/2025 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy number is missing from evidence of insurance. |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-21): Client elects to waive |  |  | 07/21/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841102 | xxxxxx | 33990359 | xxxxxx | 07/24/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-08-04): FTP provided | 08/04/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841102 | xxxxxx | 33990397 | xxxxxx | 07/24/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-08-04): FTP provided | 08/04/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841102 | xxxxxx | 33990657 | xxxxxx | 07/24/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | RCE value $278,000 and dwelling $261,857. |  | Reviewer Comment (2025-08-11): Received updated RCE. Exception cleared. | 08/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841102 | xxxxxx | 34018887 | xxxxxx | 07/24/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | CPA letter is not dated |  | Reviewer Comment (2025-08-04): Dated CPA and email from CPA provided | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841102 | xxxxxx | 34018950 | xxxxxx | 07/24/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The history for the private lien for xxxxxx does not appear on the credit report. VOM, Payoff, and 6 months cancelled checks provided. Provide a copy of the Note or Mortgage Statement. |  | Reviewer Comment (2025-08-11): Received VOM for the private lien in amount of xxxxxx. Exception cleared.<br>Reviewer Comment (2025-08-05): Received Note is dated xxxxxx , however per VOM, the origination date is xxxxxx . Provide corrected VOM to reflect correct origination date. Exception remains. | 08/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841102 | xxxxxx | 34019055 | xxxxxx | 07/24/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | CPA letter is not dated |  | Reviewer Comment (2025-08-04): Dated CPA and email from CPA provided | 08/04/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841102 | xxxxxx | 34019056 | xxxxxx | 07/24/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | CPA letter is not dated |  | Reviewer Comment (2025-08-04): Dated CPA and email from CPA provided | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841128 | xxxxxx | 34106772 | xxxxxx | 07/31/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $220.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7552) | COC provided just states a 1004D was added without a reason. Also, appraisal was completed xxxxxx and received xxxxxx (per delivery in file). Fee was not disclosed until xxxxxx which is outside of the 3 days discovery window. |  | Reviewer Comment (2025-08-12): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-08-07): SitusAMC received rebuttal, however receiving invoice is not valid reason for addition of fee. The fee should have been added within 3 days of when lender became aware of change. Cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-08-05): SitusAMC received rebuttal and COC, however 1004 is dated xxxxxx and fee added on xxxxxx CD which is not within 3 days. Please provide additional supporting document to verify when lender became aware of the change or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  | 08/12/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 841264 | xxxxxx | 33980288 | xxxxxx | 07/23/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.00 exceeds tolerance of $59.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-07-18): Sufficient Cure Provided At Closing |  | 07/18/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | C | A D B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 841264 | xxxxxx | 33980298 | xxxxxx | 07/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-07-25): SitusAMC received xxxxxx CD received 3 business days prior to consummation. | 07/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B | C | A D B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841264 | xxxxxx | 33980332 | xxxxxx | 07/23/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-07-23): Client elects to waive |  |  | 07/23/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | C | A D B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841264 | xxxxxx | 33980333 | xxxxxx | 07/23/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Title policy not provided |  | Reviewer Comment (2025-07-25): Title search provided | 07/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | C | A D B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841264 | xxxxxx | 33980344 | xxxxxx | 07/23/2025 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53 | Note date: xxxxxx; Lien Position: 2 |  |  | Reviewer Comment (2025-07-25): Second AVM provided | 07/25/2025 |  |  | 1 | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | C | A D B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841264 | xxxxxx | 33980345 | xxxxxx | 07/23/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-07-23): Client elects to waive. Two AVMs from separate companies were used for value. This is a CES loan. |  |  | 07/23/2025 | 2 | A | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | C | A D B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841264 | xxxxxx | 34039952 | xxxxxx | 07/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated xxxxxx disclosed an inaccurate APR of 9.84100% compared to the actual APR at consummation of 10.03800% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | SitusAMC received xxxxxx Initial CD. APR was disclosed at 9.841%. The next CD in file is the Final CD dated xxxxxx and reflects an APR of 10.105 which increased .264% and is greater than .125% and required a 3 business day waiting period prior to consummation. This CD issued on xxxxxx was wet signed on xxxxxx and was not allowed the 3 business day waiting period and timing was not met. Any interim CD's not provided that would have met the timing requirement should be provided. |  | Reviewer Comment (2025-07-29): SitusAMC received xxxxxx CD & xxxxxx CD | 07/29/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. B C | C | A D B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841264 | xxxxxx | 34039953 | xxxxxx | 07/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | SitusAMC received xxxxxx Initial CD. APR was disclosed at 9.841%. The next CD in file is the Final CD dated xxxxxx and reflects an APR of 10.105 which increased .264% and is greater than .125% and required a 3 business day waiting period prior to consummation. This CD issued on xxxxxx was wet signed on xxxxxx and was not allowed the 3 business day waiting period and timing was not met. Any interim CD's not provided that would have met the timing requirement should be provided. |  | Reviewer Comment (2025-07-28): SitusAMC received CD dated xxxxxx . | 07/28/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. B C | C | A D B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841266 | xxxxxx | 33922305 | xxxxxx | 07/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  | Reviewer Comment (2025-07-22): Received Purchase Agreement. Exception cleared. | 07/22/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841266 | xxxxxx | 33922309 | xxxxxx | 07/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Property Seller, xxxxxx |  | Reviewer Comment (2025-07-22): Received Fraud and OFAC searches run on Property Seller, xxxxxx. Exception cleared. | 07/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841275 | xxxxxx | 33970514 | xxxxxx | 07/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Business Purpose certificate is missing. |  | Reviewer Comment (2025-08-22): Received Business Purpose certificate. Exception cleared. | 08/22/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841275 | xxxxxx | 33970597 | xxxxxx | 07/22/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | CPA letter is not dated. Per guidelines. CPA letter must be within 120 days. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-08-28): Received post close CPA letter. Provide CPA letter must be within 120 days. Exception remains.<br>Reviewer Comment (2025-08-27): Received same CPA letter without date which was already in file. Provide CPA letter must be within 120 days. Exception remains.<br>Reviewer Comment (2025-08-24): No new document was received. Provide the document as requested as per original conditions. Exception remains. |  |  | 09/03/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841275 | xxxxxx | 33995072 | xxxxxx | 07/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-07-28): Received Approval. Exception cleared. | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841275 | xxxxxx | 34004030 | xxxxxx | 07/22/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Properties owned > 6 months but< 12 months are limited to the lower of purchase price + doc improvements or appraised value. Lender utilized the higher appraised value. (Documented improvements were not provided). |  | Reviewer Comment (2025-08-21): Doc improvements provided which exceed appraised value. | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841275 | xxxxxx | 34004169 | xxxxxx | 07/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Lease Agreement, Lease Agreement, Other, Other, Other | Rental income utilized to qualify. 1) Lease Agreement not provided for Unit xxxxxx and Unit xxxxxx. 2) 2 months rent receipts not provided for Unit xxxxxx and xxxxxx 3) 2 months rent receipt for Unit xxxxxx not provided for lessee xxxxxx. |  | Reviewer Comment (2025-09-02): Received Lease agreement, 2 months or receipts, corrected 1003 and 1008. Exception cleared.<br>Reviewer Comment (2025-08-29): Received corrected 1003 reflecting only xxxxxx units are rented. 1. The file contains Lease agreement for xxxxxx and xxxxxx. Provide Lease agreement for xxxxxx unit. 2. The file contains rent receipt for xxxxxx, provide 2 months of rent receipt for other xxxxxx units. <br> 3. Provide updated 1008. Exception remains.<br>Reviewer Comment (2025-08-24): No new document was received. Provide the document as requested as per original conditions. Exception remains.<br>Reviewer Comment (2025-08-20): Received same lease agreement that was already provided at the time of review. Please provide the documents as requested on the original condition. Exception remains. | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841278 | xxxxxx | 33834202 | xxxxxx | 07/10/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Appraisal and CDA: xxxxxx is missing. |  | Reviewer Comment (2025-07-14): Updated appraisal and CDA provided | 07/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841278 | xxxxxx | 33845142 | xxxxxx | 07/10/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the primary residence on xxxxxx is free and clear. |  | Reviewer Comment (2025-08-04): Received Property History Report, LOE and corrected 1003 reflecting borrower living rent free. Exception cleared.<br>Reviewer Comment (2025-08-01): Requested document was not uploaded into clarity. Please provide document as requested on the comment dated xxxxxx . Exception remains.<br>Reviewer Comment (2025-07-28): Received Property History Report, Note and LOE from non-borrower that the borrower stay rent free. Provide the corrected 1003 as section 1a reflects borrower owns the property. Exception remains.<br>Reviewer Comment (2025-07-15): Property History Report reflects mortgage lien in amount of xxxxxx dated xxxxxx that is in reflected on credit report. Please provide Satisfaction of mortgage to verify that lien has been released or provide 12-months mortgage payment history. Exception remains. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841279 | xxxxxx | 34041869 | xxxxxx | 07/31/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage provided is insufficient in amount of $1,016,040.00. Please provide increased HOI coverage or Replacement Cost Estimator. |  | Reviewer Comment (2025-08-07): Received RCE. Exception cleared. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841281 | xxxxxx | 33864694 | xxxxxx | 07/11/2025 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy number is missing from evidence of insurance. |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-07-10): Client elects to waive |  |  | 07/10/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841296 | xxxxxx | 33817894 | xxxxxx | 07/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Title reflects 1 judgment and 1 tax lien found, however per the search, does not appear to be tied to the borrower. Provide supplement stating will not appear on final title or the clear final title. |  | Reviewer Comment (2025-07-14): Email from title that states item was omitted.<br>Reviewer Comment (2025-07-07): A Supplemental Report or the TPOL is required to assure that these will not be on title. | 07/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841298 | xxxxxx | 33817963 | xxxxxx | 07/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Title reflects 1 judgment and 1 tax lien found, however per the search, does not appear to be tied to the borrower. Provide supplement stating will not appear on final title or the clear final title. |  | Reviewer Comment (2025-07-14): Email from title stating items are omitted<br>Reviewer Comment (2025-07-07): A Supplemental Report or TPOL is required to assure that these will not be on title. | 07/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841320 | xxxxxx | 34161916 | xxxxxx | 07/21/2025 | Credit | Credit | Credit Eligibility | Credit | Borrower has open Tradelines which are less than the minimum required by guidelines. | Credit Report: Original // Borrower: xxxxxx, Credit Report: Original // Borrower: xxxxxx Open Tradelines: 1<br> Open Tradelines: 0 | The guidelines require 3 tradelines for each credit report. The credit reports reflect 2 tradelines for first guarantor and 1 tradeline for the second guarantor. Lender exception in file; however, no compensating factors were provided for review. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-30): Waived with compensating factors per lender exception approval. |  |  | 07/30/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841341 | xxxxxx | 34003996 | xxxxxx | 07/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The file is missing Business Purpose Certificate. |  | Reviewer Comment (2025-08-06): Received Business Purpose Certificate. Exception cleared.<br>Reviewer Comment (2025-07-29): There is no evidence of consumer purpose therefore this is an investment business purpose loan. Provide the business purpose cert. If the loan is a consumer purpose investment, lender to provide an attestation and a full trid and ATR review will need to be completed which may result in multiple added conditions. | 08/06/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841341 | xxxxxx | 34016980 | xxxxxx | 07/25/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Wet State: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-29): Please review the original condition. For wet states, the HOI effective date needs to be dated at or prior to closing; dry states only allow at disbursement. xxxxxx is a wet state. |  |  | 08/07/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841540 | xxxxxx | 34175440 | xxxxxx | 07/17/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | Insurance documents missing for xxxxxx |  | Reviewer Comment (2025-07-29): Provided | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841540 | xxxxxx | 34175441 | xxxxxx | 07/17/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | Missing Insurance documents for xxxxxx. |  | Reviewer Comment (2025-07-29): provided | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841566 | xxxxxx | 34159876 | xxxxxx | 08/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-08-13): Received updated Fraud report including signor for the Seller. Exception cleared. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841575 | xxxxxx | 34179750 | xxxxxx | 08/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception in file on delayed financing allows third party to wire funds to closing on behalf of the borrower. Third party bank statments show deposit/transfers from borrower used for closing, however Borrowers Bank statments are missing. | Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-08-14): The client elects to waive. |  |  | 08/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841579 | xxxxxx | 33926504 | xxxxxx | 07/17/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Wet State: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. |  | Reviewer Comment (2025-07-22): Updated HOI provided | 07/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841579 | xxxxxx | 33958959 | xxxxxx | 07/17/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003. HUD-1 reflects the borrower sold his primary residence on xxxxxx on xxxxxx. |  | Reviewer Comment (2025-07-24): Corrected 1003 provided<br>Reviewer Comment (2025-07-22): There is no evidence of this. If the borrower has no ownership in the primary at xxxxxx then page 1 should reflect No Primary Housing.<br>Reviewer Comment (2025-07-22): Page 1 was updated reflecting the property on xxxxxx is owned for 1 month but information is not in REO section with any lien information.<br>Reviewer Comment (2025-07-21): Page 1 still reflects the borrower lives and owns the primary. Provide the updated 1003 as to where the borrower is currency living. Since no other owned properties, need to ensure the subject property did not become the xxxxxx property. | 07/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841637 | xxxxxx | 33893880 | xxxxxx | 07/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. (Final xxxxxx) |  |  | Reviewer Comment (2025-07-13): Client elects to waive |  |  | 07/13/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841637 | xxxxxx | 33893892 | xxxxxx | 07/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2025-07-29): Received Fraud Report. Exception cleared.<br>Reviewer Comment (2025-07-25): Requested document was not received. Received, Tax Certificate, E-Sign and Award Letter. Please provide Fraud Report. Exception remains. | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841637 | xxxxxx | 33893896 | xxxxxx | 07/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2025-08-05): Tax cert provided<br>Reviewer Comment (2025-08-05): No new documents received. Please try uploading again.<br>Reviewer Comment (2025-07-29): The tax cert provided is not acceptable as it is for vacant platted lot only.<br>Reviewer Comment (2025-07-25): Received Tax certificate reflects the total tax for xxxxxx as xxxxxx. However, lender collected xxxxxx quarterly for tax payment. Exception remains.<br>Reviewer Comment (2025-07-22): No new documents received. Please try uploading again. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841637 | xxxxxx | 33893979 | xxxxxx | 07/14/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $118,590.82 is less than Cash From Borrower $122,903.55. |  |  | Reviewer Comment (2025-07-30): Additional EMD deposit provided<br>Reviewer Comment (2025-07-29): No new documents received. Please try uploading again.<br>Reviewer Comment (2025-07-25): No new documents were received for this condition. In file only two EMD were verified - 1 for $7,500 and another for $8,523. If there is a third, provide for review. | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841637 | xxxxxx | 33894069 | xxxxxx | 07/14/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-07-30): E-consent provided<br>Reviewer Comment (2025-07-29): No new documents received. Please try uploading again.<br>Reviewer Comment (2025-07-25): The e-consent provided is not dated. Need to know when consent was granted and it is for this transaction.<br>Reviewer Comment (2025-07-22): No new documents or comments received. Please try uploading again. | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841637 | xxxxxx | 33894092 | xxxxxx | 07/14/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2025-08-14): The client is accepting the Warranty of Completion of Construction signed by the xxxxxx and borrower, and the Certificate of Occupancy for proof that the xxxxxx is completed as to the xxxxxx.<br>Reviewer Comment (2025-07-24): Occupancy cert does not clear this condition. The 442 for xxxxxx is required.<br>Reviewer Comment (2025-07-22): No new documents or comments received. Please try uploading again. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841637 | xxxxxx | 33917330 | xxxxxx | 07/14/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Deposit | Investor guidelines require 1 month receipt of xxxxxx benefits. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Reviewer Comment (2025-08-05): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-24): The xxxxxx letter was already provided at time of review. Please review the original condition. Investor guidelines require 1 month receipt of xxxxxx benefits. |  |  | 08/05/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841637 | xxxxxx | 33917331 | xxxxxx | 07/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to missing income documents |  | Reviewer Comment (2025-08-05): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-07-24): The xxxxxx letter was already provided at time of review. Please review the original condition. Investor guidelines require 1 month receipt of xxxxxx benefits. | 08/05/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841637 | xxxxxx | 33917332 | xxxxxx | 07/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to missing income documents |  | Reviewer Comment (2025-08-05): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-07-24): The xxxxxx letter was already provided at time of review. Please review the original condition. Investor guidelines require 1 month receipt of xxxxxx benefits. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841638 | xxxxxx | 33894070 | xxxxxx | 07/14/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-08-12): The E-Sign Agreement was provided.<br>Reviewer Comment (2025-08-12): Received E-Sign Consent Agreement which is not dated or signed. Exception remains.<br>Reviewer Comment (2025-08-07): No new documents received. Please try uploading again.<br>Reviewer Comment (2025-07-29): No new documents received. Please try uploading again. Only 1 page was uploaded on xxxxxx <br>Reviewer Comment (2025-07-28): The document provided is not dated nor does it reflect for this transaction.<br>Reviewer Comment (2025-07-22): No new documents received. Please try uploading again.<br>Reviewer Comment (2025-07-21): The documented noted was not found. Please upload the document for review. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841638 | xxxxxx | 33921627 | xxxxxx | 07/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | The AUS in file is dated post-close. Provide the pre-close AUS. |  | Reviewer Comment (2025-07-28): Preclose AUS provided<br>Reviewer Comment (2025-07-22): No new documents received. Please try uploading again. | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841638 | xxxxxx | 33921836 | xxxxxx | 07/14/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide evidence properties are free and clear. |  | Reviewer Comment (2025-08-12): Evidence that the property was free & clear at origination was provided.<br>Reviewer Comment (2025-07-31): Received Property History Report for the property located at xxxxxx to verify property free and clear, however received HOI for the property located at xxxxxx cannot be considered to verify property is free and clear, since HOI policy often removes the mortgagee clause, therefore provide property history report. Exception remains.<br>Reviewer Comment (2025-07-22): Tax returns are not evidence of free and clear. Provide the property profile reports for each property or other supporting third party documentation for free and clear. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841639 | xxxxxx | 33902531 | xxxxxx | 07/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Property Inspection in file is dated xxxxxx which is dated prior to disaster end date of xxxxxx . |  | Reviewer Comment (2025-07-28): PDI received dated xxxxxx: No Damage<br>Reviewer Comment (2025-07-22): No new documents received. Please try uploading again. | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841639 | xxxxxx | 33921102 | xxxxxx | 07/14/2025 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | Date Issued: xxxxxx Issue date: xxxxxx; Received date: xxxxxx; Signed date: xxxxxx |  |  | Reviewer Comment (2025-07-14): Client elects to waive |  |  | 07/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841640 | xxxxxx | 33908706 | xxxxxx | 07/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. (Final xxxxxx) |  |  | Reviewer Comment (2025-07-14): Client elects to waive |  |  | 07/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 841643 | xxxxxx | 33963086 | xxxxxx | 07/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-07-24): Received Business Purpose Certificate. Exception cleared. | 07/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841643 | xxxxxx | 33963087 | xxxxxx | 07/22/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | BP Cert not provided |  | Reviewer Comment (2025-07-24): Received Business Purpose Certificate. Exception cleared. | 07/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841672 | xxxxxx | 33972804 | xxxxxx | 07/22/2025 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | xxxxxx Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  | Reviewer Comment (2025-08-04): Received executed disclosure, LOE to borrower and evidence of delivery to the borrower<br>Reviewer Comment (2025-07-30): Disclosure is signed post-close by lender. To cure, LOE to borrower and evidence of delivery to borrower of the fully executed disclosure will be required. |  | 08/04/2025 |  | 2 | C B | C B D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B | D | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 841678 | xxxxxx | 33825103 | xxxxxx | 07/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-07-17): Received Pre - approval letter. Exception cleared. | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841678 | xxxxxx | 33825172 | xxxxxx | 07/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full name not run for OFAC for borrower. xxxxxx was left off of last name. |  | Reviewer Comment (2025-07-17): Received OFAC search run for borrower. Exception cleared. | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841678 | xxxxxx | 33845133 | xxxxxx | 07/09/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Last extension was xxxxxx . Loan closed xxxxxx . Provide evidence of additional extensions and updated payoff. Per payoff, demand expires the earlier of the maturity date xxxxxx or xxxxxx . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-08-01): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-24): Per guidelines, the Note with an expired maturity date exceeding 30 days require an extension to avoid being counted as delinquent. Therefore an extension agreement is required signed/dated by borrower and lender to acknowledge the changes. Exception remains.<br>Reviewer Comment (2025-07-21): Received updated Payoff statement. However provide extension agreement. Exception remains. |  |  | 08/01/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841681 | xxxxxx | 33878728 | xxxxxx | 07/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-07-17): Articles provided | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841681 | xxxxxx | 33878730 | xxxxxx | 07/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-07-17): COGS provided | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841681 | xxxxxx | 33878731 | xxxxxx | 07/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2025-07-17): EIN provided | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841681 | xxxxxx | 33878733 | xxxxxx | 07/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-07-17): OA proivded | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841681 | xxxxxx | 33878756 | xxxxxx | 07/15/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Citizenship Affidavit not provided |  | Loans secured by property located in the state of xxxxxx made to foreign principals, persons, and entities are to include one of the following Affidavits published by the xxxxxx:<br> o Conveyances to Foreign Entities – By Individual Buyer<br> o Conveyances to Foreign Entities – By Entity Buyer |  | Reviewer Comment (2025-08-04): Affidavit received<br>Reviewer Comment (2025-07-31): Requested document was not provided, please provide document as requested on the comment dated xxxxxx . Exception remains.<br>Reviewer Comment (2025-07-21): Received Citizenship Affidavit however initials not updated on Section 4. Also the document is not notarized. Exception remains. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841681 | xxxxxx | 33925900 | xxxxxx | 07/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  | Reviewer Comment (2025-07-17): OA provided. Both owners on the loan. | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841681 | xxxxxx | 33926432 | xxxxxx | 07/15/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $90,416.17 is less than Cash From Borrower $254,186.17. | Foreign account funds can only be used for reserves if not transferred to a xxxxxx bank or if the financial institution does not have xxxxxx branches / not xxxxxx insured. |  | Reviewer Comment (2025-07-30): Evidence of EMD provided<br>Reviewer Comment (2025-07-17): The two wires provided dated xxxxxx were already included for funds to close. As noted, Foreign account funds can only be used for reserves if not transferred to a xxxxxx or if the financial institution does not have xxxxxx branches / not xxxxxx insured (xxxxxx. Wire Out of xxxxxx exceeds last statement balance. 0% usability. | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841752 | xxxxxx | 34018307 | xxxxxx | 07/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-07-30): Received Eligibilty Review document with Conditions. Exception cleared. | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841770 | xxxxxx | 33875681 | xxxxxx | 07/11/2025 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy number is missing from evidence of insurance. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Reviewer Comment (2025-07-11): Client elects to waive |  |  | 07/11/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841770 | xxxxxx | 33875797 | xxxxxx | 07/11/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business tax returns are not signed and dated by the borrower. |  | Reviewer Comment (2025-07-16): Signed and dated business return provided | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841770 | xxxxxx | 33875826 | xxxxxx | 07/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $375.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7723) | The Survey Fee was not disclosed on the initial Loan Estimate and was charged $375.00 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-07-15): SitusAMC Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 07/15/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841770 | xxxxxx | 33875885 | xxxxxx | 07/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Note, Mortgage, 1003, Title Final reflects city name as xxxxxx. All other documents reflects city name as xxxxxx. |  | Reviewer Comment (2025-08-06): All the credit docs were received.<br>Reviewer Comment (2025-08-02): Received corrected appraisal and CDA. Pending receipt of the updated HOI as the previous document was the cert of liability and the cert of liability was submitted again.<br>Reviewer Comment (2025-07-22): The only item provided was the 1007 which is not for the subject property. Please review the comments on 7/17: Received updated flood cert. The most recent appraisal we have in file has a completion date of xxxxxx. This appraisal will need to be corrected. An earlier dated appraisal is not acceptable that notes the correct city. The HOI provided is the cert of liability only. The dwelling HOI will need to be provided and updated. Also, pending update of the CDA as well.<br>Reviewer Comment (2025-07-17): Received updated flood cert. The most recent appraisal we have in file has a completion date of xxxxxx. This appraisal will need to be corrected. An earlier dated appraisal is not acceptable that notes the correct city. The HOI provided is the cert of liability only. The dwelling HOI will need to be provided and updated. Also, pending update of the CDA as well.<br>Reviewer Comment (2025-07-14): The document provided is not acceptable. All addresses must match. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841770 | xxxxxx | 33876636 | xxxxxx | 07/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Business tax returns are not signed and dated by the borrower. |  | Reviewer Comment (2025-07-16): Signed and dated business return provided | 07/16/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841770 | xxxxxx | 33876638 | xxxxxx | 07/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Business tax returns are not signed and dated by the borrower. |  | Reviewer Comment (2025-07-16): Signed and dated business return provided | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841770 | xxxxxx | 33904367 | xxxxxx | 07/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | COC stated desk review added. CU pulled with a 4.1 score on 3.13, however fee was not disclosed until xxxxxx which is > 3 days from discovery. |  | Reviewer Comment (2025-07-18): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-07-15): SitusAMC Received Corrected PCCD, LOE and Proof of Mailing; however, Copy of refund check $255 not provided and FedEx tracking shows label created. Also, PCCD should reflect Lender credit and Cure amount under section J as $630 instead of $255. Kindly provide below documents in order to cure this exception.<br> 1) Proof Mailing.<br> 2) Copy of Refund Check $255<br> 3) Corrected PCCD and LOE reflecting Lender Cure and Lender Credit amount as $630. |  | 07/18/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841770 | xxxxxx | 33904368 | xxxxxx | 07/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,040.00 exceeds tolerance of $950.00. Insufficient or no cure was provided to the borrower. (7506) | COC states appraisal fee increased due to complexity. Additional information is required to determine if COC is valid. |  | Reviewer Comment (2025-07-18): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-07-15): SitusAMC Received Corrected PCCD, LOE and Proof of Mailing; however, Copy of refund check $255 not provided and FedEx tracking shows label created. Also, PCCD should reflect Lender credit and Cure amount under section J as $630 instead of $255. Kindly provide below documents in order to cure this exception.<br> 1) Proof Mailing.<br> 2) Copy of Refund Check $255<br> 3) Corrected PCCD and LOE reflecting Lender Cure and Lender Credit amount as $630. |  | 07/18/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841781 | xxxxxx | 34139143 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $700.00 exceeds tolerance of $675.00. Insufficient or no cure was provided to the borrower. (7506) | The Appraisal Fee increased from $675 on the initial Loan Estimate to $700.00 on the Loan Estimate dated xxxxxx without a valid change of circumstance. |  | Reviewer Comment (2025-08-19): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-08-14): SitusAMC received CD,LOX,Copy of refund check and proof of mailing. However, the provided CD is missing page 1. Kindly provide complete copy of Post CD in order to cure the exception. |  | 08/19/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841782 | xxxxxx | 33867635 | xxxxxx | 07/14/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-07-17): Received CDA. Exception cleared. | 07/17/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 841782 | xxxxxx | 33909798 | xxxxxx | 07/14/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. |  | Reviewer Comment (2025-08-13): Received RCE. Exception cleared.<br>Reviewer Comment (2025-08-07): Received RCE does not contain the property address for which property the Estimated Replacement Cost was calculated. Exception remains.<br>Reviewer Comment (2025-07-28): The RCE must be within 1 year of closing. Also, the LOE states coverage up to $1,022.275 which is not 80% of the estimated cost new.<br>Reviewer Comment (2025-07-24): The RCE provided is > 1 year old. RCE's calculated value must be dated within 1 year.<br>Reviewer Comment (2025-07-17): The document provided is an expired HOI with lesser coverage than the updated policy. As noted, provide the RCE. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 841782 | xxxxxx | 33917061 | xxxxxx | 07/14/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Per 1008, Unit's on appraisals and lease agreements. subject consists of xxxxxx units vs. xxxxxx units. Provide the updated appraisal. |  | Reviewer Comment (2025-08-05): Received updated appraisal. Exception cleared. | 08/05/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 841782 | xxxxxx | 33917062 | xxxxxx | 07/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-07-28): Received Business Search within 120 days of closing. Exception cleared.<br>Reviewer Comment (2025-07-24): The COGS provided does not have a pull date. Must be within 120 days of closing. | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 841804 | xxxxxx | 34075544 | xxxxxx | 08/04/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  | Provide senior lien Note and senior lien Mortgage Statement for the subject property. |  | Reviewer Comment (2025-08-29): FTP provided with correct senior lien recorded<br>Reviewer Comment (2025-08-27): The incorrect and correct prelims are dated and time stamped the same. There is no indication of which was provided last. As noted on xxxxxx, provide the final title policy to ensure the correct senior lien mortgage was recorded.<br>Reviewer Comment (2025-08-22): The email is not sufficient. The final title will need to be provided with the correct senior lien recorded. xxxxxx is not a typo.<br>Reviewer Comment (2025-08-18): Received Original Senior Lien Note in amount of xxxxxx, modification agreement in amount of xxxxxx, however Title reflects mortgage in amount of xxxxxx. Therefore, provide modification agreement if there is an another modification. Exception remains.<br>Reviewer Comment (2025-08-13): Received Note for senior lien with loan amount xxxxxx. However on Title loan amount is reflecting as xxxxxx. Provide modification agreement. Exception remains.<br>Reviewer Comment (2025-08-07): Received Note which was already in file. Provide senior lien Note (xxxxxx) for the subject property. Exception remains.<br>Reviewer Comment (2025-08-06): Received Mortgage Statement. Pending receipt of senior lien Note. Exception remains. | 08/29/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841804 | xxxxxx | 34076041 | xxxxxx | 08/04/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-04): Client elects to waive |  |  | 08/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841804 | xxxxxx | 34076043 | xxxxxx | 08/04/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-08-29): FTP provided | 08/29/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841804 | xxxxxx | 34097352 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $180,632.78 is over disclosed by $90.00 compared to the calculated Amount Financed of $180,542.78 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 xxxxxx). (Final xxxxxx) | Amount Financed shown as $180,632.78 but calculated amount is $180,542.78. Variance of $90.00. |  | Reviewer Comment (2025-08-05): SitusAMC received PCCD. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 841804 | xxxxxx | 34097353 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $324,211.50 is under disclosed by $90.00 compared to the calculated Finance Charge of $324,301.50 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Finance Charge is shown as $324,211.50 but calculated amount is $324,301.50. Variance of -$90.00. |  | Reviewer Comment (2025-08-05): SitusAMC received PCCD. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 841821 | xxxxxx | 34022913 | xxxxxx | 07/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx signed the Guarantor Agreement, however no credit documents were provided for this individual. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-04): Client elects to waive with verified compensation factors |  |  | 08/04/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841821 | xxxxxx | 34061044 | xxxxxx | 07/29/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-07-31): Received Certificate of Good Standing. Exception cleared. | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841865 | xxxxxx | 33959126 | xxxxxx | 07/17/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | First time investors must own a primary residence for at least 1-year. Borrower is living rent free with both the property profile report and fraud report reflecting no vested interest. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-25): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-07-22): D0239 is for the borrower's primary residence. The mortgages are released and the current owner reflect the non-borrower as a married man which indicates our borrower no longer has interest in the primary residence.<br>Reviewer Comment (2025-07-21): A 1008 does not clear this condition. Please provide the property profile reports / deeds reflecting ownership interest in the additional investment properties for 1+ years within the past 36 months. |  |  | 07/25/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841881 | xxxxxx | 34089854 | xxxxxx | 08/04/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | The provided LOE for the property confirming the property is free & clear is insufficient. Provide supporting documents to verify the property is free & clear.<br> Note: As per the guidelines, any REO listed on the application owned free & clear requires a Property Profile Report or similar document. |  | Reviewer Comment (2025-08-06): Received Tax Certificate and Property History to verify property free and clear. Exception cleared. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841881 | xxxxxx | 34134045 | xxxxxx | 08/04/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Investor exception to allow use of appraised value instead of previous purchase price + improvements. Borrower has been on title for less than 12 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-08-04): Client elects to waive with verified compensation factors |  |  | 08/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841884 | xxxxxx | 34100929 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.20539% or Final Disclosure APR of 9.21200% is equal to or greater than the threshold of APOR 6.75% + 1.5%, or 8.25000%. Non-Compliant Higher Priced Mortgage Loan. | Verification appraisal was delivered to borrower at least 3 business days prior to closing was not provided. |  | Reviewer Comment (2025-08-07): Appraisal delivery provided | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | D | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841884 | xxxxxx | 34100930 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Verification appraisal was delivered to borrower at least 3 business days prior to closing was not provided. |  | Reviewer Comment (2025-08-07): Appraisal delivery provided | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | D | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841884 | xxxxxx | 34100938 | xxxxxx | 08/05/2025 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | xxxxxx Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  | Reviewer Comment (2025-08-14): The Lender signed Acknowledgment of Fair Market Value of xxxxxx Property was provided. | 08/14/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B | D | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841884 | xxxxxx | 34100968 | xxxxxx | 08/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2025-08-05): Client elects to waive. 442 provided dated xxxxxx : No Damage |  |  | 08/05/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | D | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841884 | xxxxxx | 34101082 | xxxxxx | 08/05/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-08-07): Updated title commitment with email provided | 08/07/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | D | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841884 | xxxxxx | 34141325 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | The COC states an inspection fee was added due to appraisal subject to, however appraisal is as-is. |  | Reviewer Comment (2025-08-19): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-08-15): SitusAMC Received email confirmation does not state borrower received the copy of check. Provide Confirmation from borrower side showing copy of check is received.<br>Reviewer Comment (2025-08-12): Situsamc Received Corrected PCCD, LOE and Refund Check; however, provide proof of Mailing or Confirmation from borrower side that check has been received.<br>Reviewer Comment (2025-08-08): SitusAMC received PCCD, missing copy of refund check, proof of mailing & LOE. Please provide copy of refund check, proof of mailing & LOE to cure the exception. |  | 08/19/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | D | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841920 | xxxxxx | 34006146 | xxxxxx | 07/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Trust Agreement not provided |  | Prior to transfer at closing, loan was vested in a Trust. Provide the Trust Agreement. |  | Reviewer Comment (2025-07-30): Received Trust Agreement. Exception cleared. | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841920 | xxxxxx | 34006148 | xxxxxx | 07/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  | Reviewer Comment (2025-07-30): Received Note Addendum - Prepayment. Exception cleared. | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | Yes | Property Focused |
| xxxxxx | 841920 | xxxxxx | 34006205 | xxxxxx | 07/25/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-07-30): FTP provided | 07/30/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841920 | xxxxxx | 34020644 | xxxxxx | 07/25/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Preliminary in file. |  |  | Reviewer Comment (2025-07-30): FTP provided | 07/30/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841920 | xxxxxx | 34030141 | xxxxxx | 07/25/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The Final Settlement Statement in file is not signed / stamped certified by title. |  | Reviewer Comment (2025-07-30): Final stamped settlement statement provided | 07/30/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841980 | xxxxxx | 33838995 | xxxxxx | 07/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-07-11): The condition cannot be waived. The individual owning 100% of the company has no bearing on this document as it is required per guidelines.<br>Reviewer Comment (2025-07-11): 1008 provided | 07/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841980 | xxxxxx | 33838996 | xxxxxx | 07/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2025-07-18): Received Guarantor Agreement. Exception cleared.<br>Reviewer Comment (2025-07-11): Condition cannot be waived as this is a guidelines requirement and the borrower owning 100% of the business has no bearing on this. | 07/18/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841998 | xxxxxx | 34019120 | xxxxxx | 07/29/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate reflects xxxxxx under address vs Note does not have any unit number. |  | Reviewer Comment (2025-08-05): Updated flood cert provided<br>Reviewer Comment (2025-08-04): The same flood cert was provided that was previously provided. Please review the original condition. Flood Certificate reflects xxxxxx under address vs Note does not have any unit number. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841998 | xxxxxx | 34019174 | xxxxxx | 07/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Seller, xxxxxx. |  | Reviewer Comment (2025-08-07): Received Fraud and OFAC searches run on Seller, xxxxxx. Exception cleared. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841998 | xxxxxx | 34019257 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | VVOE's in file are dated post close. Guidelines require VVOE's dated within 10 days prior to the Note date or a paystub dated within 30 days prior to the Note date. |  | Reviewer Comment (2025-08-19): Loan is Non-QM.<br>Reviewer Comment (2025-08-07): Received xxxxxx is dated post closing. However per guidelines VVOE's must be dated within 10 days prior to the Note date or a paystub dated within 30 days prior to the Note date for xxxxxx. Exception remains.<br>Reviewer Comment (2025-08-04): TWN provided for xxxxxx received dated within 10 days prior to closing. TWN for xxxxxx is dated post-close and not acceptable as the guidelines require the VOE to be dated within 10 days prior to closing or a paystub dated within 30 days prior to closing. | 08/19/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841998 | xxxxxx | 34019259 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx/Wages) | VVOE's in file are dated post close. Guidelines require VVOE's dated within 10 days prior to the Note date or a paystub dated within 30 days prior to the Note date. |  | Reviewer Comment (2025-08-19): Paystub for xxxxxx dated within 30 days prior to closing provided which meets guideline requirements.<br>Reviewer Comment (2025-08-07): Received xxxxxx is dated post closing. However per guidelines VVOE's must be dated within 10 days prior to the Note date or a paystub dated within 30 days prior to the Note date for xxxxxx. Exception remains.<br>Reviewer Comment (2025-08-04): TWN provided for xxxxxx received dated within 10 days prior to closing. TWN for xxxxxx is dated post-close and not acceptable as the guidelines require the VOE to be dated within 10 days prior to closing or a paystub dated within 30 days prior to closing. | 08/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841998 | xxxxxx | 34019294 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-15,750.00 exceeds tolerance of $-18,000.00. Insufficient or no cure was provided to the borrower. (9300) | The Lender Credit Fee decreased from $18,000.00 on the Loan Estimate dated xxxxxx to $15,750.00 on the Closing Disclosure dated xxxxxx without a valid change of circumstance. |  | Reviewer Comment (2025-08-07): SitusAMC received a valid COC.<br>Reviewer Comment (2025-08-06): SitusAMC received COC and rebuttal, however we require additional information on when the exception was granted. Please provide additional supporting to verify the timeline of when became aware of the change. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841998 | xxxxxx | 34066387 | xxxxxx | 07/29/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx , Borrower: xxxxxx VVOE - Employment Only<br> VVOE - Employment Only | VVOE's in file are dated post close. Guidelines require VVOE's dated within 10 days prior to the Note date or a paystub dated within 30 days prior to the Note date. |  | Reviewer Comment (2025-08-19): Paystub for xxxxxx dated within 30 days prior to closing provided which meets guideline requirements.<br>Reviewer Comment (2025-08-07): Received xxxxxx is dated post closing. However per guidelines VVOE's must be dated within 10 days prior to the Note date or a paystub dated within 30 days prior to the Note date for xxxxxx. Exception remains.<br>Reviewer Comment (2025-08-04): TWN provided for xxxxxx received dated within 10 days prior to closing. TWN for xxxxxx is dated post-close and not acceptable as the guidelines require the VOE to be dated within 10 days prior to closing or a paystub dated within 30 days prior to closing.<br>Reviewer Comment (2025-08-04): Received VVOE after the close date which is xxxxxx (Verified on), please provide VVOE on or before closing date xxxxxx for the co-borrower xxxxxx & Employer "xxxxxx". Exception remains. | 08/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841998 | xxxxxx | 34066415 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | VVOE's in file are dated post close. |  | Reviewer Comment (2025-08-19): Paystub for xxxxxx dated within 30 days prior to closing provided which meets guideline requirements.<br>Reviewer Comment (2025-08-07): Received xxxxxx is dated post closing. However per guidelines VVOE's must be dated within 10 days prior to the Note date or a paystub dated within 30 days prior to the Note date for xxxxxx. Exception remains.<br>Reviewer Comment (2025-08-04): TWN provided for xxxxxx received dated within 10 days prior to closing. TWN for xxxxxx is dated post-close and not acceptable as the guidelines require the VOE to be dated within 10 days prior to closing or a paystub dated within 30 days prior to closing. | 08/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842029 | xxxxxx | 34173138 | xxxxxx | 08/13/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,169.00 exceeds tolerance of $325.00 plus 10% or $357.50. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2025-08-08): Sufficient Cure Provided At Closing |  | 08/08/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | A | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842029 | xxxxxx | 34173149 | xxxxxx | 08/13/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 | Per client CES guidelines full appraisal is not required | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-13): The client elects to waive. The LTV is calculated using a drive-by appraisal and a desk review. This is a CES loan. |  |  | 08/13/2025 | 2 | A | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | A | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842045 | xxxxxx | 33961637 | xxxxxx | 07/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use appraised value. Rate and term refi of rehab loan. Purchase price + improvements = approx $ xxxxxx. Appraised at xxxxxx. Borrower bringing in xxxxxx to close and DSCR is stabilized at 1.031 using 1007 market rent. | Borrower's Experience/Track Record. The borrower has 10 Years of Experience. Currently holds 11 Properties and has completed 11 Properties.<br>$36,618.41 in available reserves | Reviewer Comment (2025-07-15): Client elects to downgrade and waive based on the following compensating factors:<br> Seasoned Borrower/Investor whose experience exceeds 10 completed projects<br> Borrower is bringing $6500 to closing, DSCR is stabilized at 1.031 using 1007 market rent. |  |  | 07/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842048 | xxxxxx | 34061511 | xxxxxx | 07/16/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  | Reviewer Comment (2025-07-21): Provided and cleared | 07/21/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842048 | xxxxxx | 34061512 | xxxxxx | 07/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination for using appraised value rather than purchase price as seasoning is less than 12 months. Purchased property xxxxxx 24. compensating factors: borrower has 10 months reserves, FICO. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-16): Client elects to waive and downgrade based on the following compensating factors: <br> Borrower has more than 10 months reserves <br> Guidelines Representative FICO: 600<br> Representative FICO: 659 |  |  | 07/16/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842050 | xxxxxx | 33893997 | xxxxxx | 06/24/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. shortfall of xxxxxx |  | Reviewer Comment (2025-07-03): Cleared with policy stating insured at replacement cost | 07/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842053 | xxxxxx | 33835908 | xxxxxx | 06/26/2025 | Credit | Guideline | Guideline Issue | Guideline | Guideline Requirement: Interest Only feature not permitted. |  | Exception request to allow 80% LTV with IO - borrower has excellent credit, strong liquated reserves after closing (24 months). Six months reserve required. DSCR 1 updated on rate sheet. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-06-26): Client elects to downgrade and waive with the following compensating factors: <br> Reserves: 32.62<br> Guideline Requirement: 6.00<br> Representative FICO 709<br> Guideline Requirement 680 |  |  | 06/26/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842055 | xxxxxx | 34108489 | xxxxxx | 06/20/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2025-07-16): Provided and cleared. | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842055 | xxxxxx | 34108490 | xxxxxx | 06/20/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing leases for investment properties, using 75% of rental income amounts off 1003 yields DTI higher than guideline max. |  | Reviewer Comment (2025-06-25): Leases provided and cleared. | 06/25/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842055 | xxxxxx | 34108491 | xxxxxx | 06/20/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxxxx/25% Vacancy Method) | Missing form 1007/1025 or lease for this property |  | Reviewer Comment (2025-06-25): Leases provided and cleared. | 06/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842055 | xxxxxx | 34108492 | xxxxxx | 06/20/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxxxx/25% Vacancy Method) | Missing form 1007/1025 or lease for this property |  | Reviewer Comment (2025-06-25): Leases provided and cleared. | 06/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842055 | xxxxxx | 34108493 | xxxxxx | 06/20/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxxxx/25% Vacancy Method) | Missing form 1007/1025 or lease for this property |  | Reviewer Comment (2025-06-25): Leases provided and cleared. | 06/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842055 | xxxxxx | 34108495 | xxxxxx | 06/20/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of 50.51788% and based on 1026.43(c)(5) of 50.52% moderately exceed the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Missing leases for investment properties, using 75% of rental income amounts off 1003 yields DTI higher than guideline max. |  | Reviewer Comment (2025-06-25): Leases provided and cleared. | 06/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842055 | xxxxxx | 34108496 | xxxxxx | 06/20/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing leases for investment properties, using 75% of rental income amounts off 1003 yields DTI higher than guideline max. |  | Reviewer Comment (2025-06-25): Leases provided and cleared. | 06/25/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842055 | xxxxxx | 34108497 | xxxxxx | 06/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). The disclosed Total of Payments in the amount of $115,485.93 is under disclosed by $1,010,000.00 compared to the calculated total of payments of $1,125,485.93 which exceeds the $100.00 threshold. (Final xxxxxx) | Corrected on PCCD, in order to cure please provide the following: Letter of Explanation, Proof of Delivery, and Refund check for underdisclosed equivalent amount. |  | Reviewer Comment (2025-07-29): After further review, exception cleared. | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842055 | xxxxxx | 34108499 | xxxxxx | 06/20/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 53.16277% exceeds Guideline total debt ratio of 50.00000%. | Missing leases for investment properties, using 75% of rental income amounts off 1003 yields DTI higher than guideline max. |  | Reviewer Comment (2025-07-29): Debt clarification received and DTI now in line, cleared.<br>Reviewer Comment (2025-07-17): xxxxxx rent updated using 75% of $2400 and DTI is still at 53%. Please provide complete REO costs/rental income breakdown as we're still unsure how you're getting your numbers.<br>Reviewer Comment (2025-07-17): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of 56.31520% exceeds Guideline total debt ratio of 50.00000%.<br>Reviewer Comment (2025-07-16): DTI is at 56% using 75% of $1400/mo. rent on xxxxxx prop. Not within guidelines. Please provide full DTI breakdown on how you're at 48%.<br>Reviewer Comment (2025-06-25): Only received 1 lease for xxxxxx property, from xxxxxx. $1400/mo. rent reflected vs. $3509/mo. listed/used on 1003. DTI now significantly exceeds guideline max.<br>Reviewer Comment (2025-06-25): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of 50.51788% exceeds Guideline total debt ratio of 50.00000%. | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842055 | xxxxxx | 34108500 | xxxxxx | 06/20/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing leases for investment properties, using 75% of rental income amounts off 1003 yields DTI higher than guideline max. |  | Reviewer Comment (2025-07-29): Debt clarification received, and DTI is now in line and cleared. Loan is Non-QM<br>Reviewer Comment (2025-07-16): DTI is at 56% using 75% of $1400/mo. rent on xxxxxx prop. Not within guidelines. Please provide full DTI breakdown on how you're at 48%.<br>Reviewer Comment (2025-06-25): Only received 1 lease for xxxxxx property, from xxxxxx. $1400/mo. rent reflected vs. $3509/mo. listed/used on 1003. DTI now significantly exceeds guideline max. | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842055 | xxxxxx | 34108501 | xxxxxx | 06/25/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | NEW EXCEPTION: Only received 1 lease for xxxxxx property, from xxxxxx. $1400/mo. rent reflected vs. $3509/mo. listed/used on 1003. DTI now significantly exceeds guideline max. |  | Reviewer Comment (2025-07-29): Debt clarification received and DTI now in line, cleared.<br>Reviewer Comment (2025-07-17): xxxxxx rent updated using 75% of $2400 and DTI is still at 53%. Please provide complete REO costs/rental income breakdown as we're still unsure how you're getting your numbers. | 07/29/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842055 | xxxxxx | 34108502 | xxxxxx | 06/25/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of 56.31520% and based on 1026.43(c)(5) of 56.32% significantly exceed the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to xxxxxx.) | NEW EXCEPTION: Only received 1 lease for xxxxxx property, from xxxxxx. $1400/mo. rent reflected vs. $3509/mo. listed/used on 1003. DTI now significantly exceeds guideline max. |  | Reviewer Comment (2025-07-29): Debt clarification received and DTI now in line, cleared.<br>Reviewer Comment (2025-07-17): xxxxxx rent updated using 75% of $2400 and DTI is still at 53%. Please provide complete REO costs/rental income breakdown as we're still unsure how you're getting your numbers.<br>Reviewer Comment (2025-07-16): DTI is at 56% using 75% of $1400/mo. rent on xxxxxx prop. Not within guidelines. Please provide full DTI breakdown on how you're at 48%. | 07/29/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842063 | xxxxxx | 33835904 | xxxxxx | 06/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Note Addendum - Prepayment is missing in the file. |  | Reviewer Comment (2025-07-01): Prepayment Rider provided, exception cleared. | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | Yes | Property Focused |
| xxxxxx | 842063 | xxxxxx | 33835905 | xxxxxx | 06/26/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception was requested to vest in entity in which 80% / 20% ownership with only the 80% owner guaranteeing the loan. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-26): Client elects to downgrade and waive with the following compensating factors: <br> Guidelines Representative FICO: 680<br> Representative FICO: 764<br> Representative reserves 6 months <br> Guidelines requirement 0 |  |  | 06/26/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842069 | xxxxxx | 33946135 | xxxxxx | 07/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender Exception: Exception to use value over purchase price for recent purchase less than 12 months, comp factors are FICO / Cash in transaction / nice collateral - improvements made to property. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2025-07-11): Client elects to downgrade and waive with the following compensating factors: <br> Borrower FICO 715<br> Required Guideline FICO 680<br> Borrower has $719,256.59 in total funds. |  |  | 07/11/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842317 | xxxxxx | 33962157 | xxxxxx | 07/22/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. |  | Reviewer Comment (2025-08-15): Received RCE. Exception cleared.<br>Reviewer Comment (2025-07-25): As noted on xxxxxx: The LOE is not sufficient. We need to know what the replacement cost is determine adequate coverage. Provide the RCE or investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-07-24): The LOE is not sufficient. We need to know what the replacement cost is determine adequate coverage. Provide the RCE. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842339 | xxxxxx | 33972830 | xxxxxx | 07/24/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject property mortgages not reporting on credit for the second lien. VOM, Payoff and cancelled checks provided. Pending receipt of Note or most recent mortgage statement (first lien not reported on credit has all docs in file). |  | Reviewer Comment (2025-08-05): Received second lien Note. Exception cleared.<br>Reviewer Comment (2025-07-30): Received Note is not for subject property, the document requested is for Note or Mortgage Statement for the second lien on the subject property. Exception remains. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 842339 | xxxxxx | 33972872 | xxxxxx | 07/24/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI reflects unit numbers vs. all other documents which do not. |  | Reviewer Comment (2025-07-29): Updated HOI provided | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 842339 | xxxxxx | 33972898 | xxxxxx | 07/24/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-07-29): Received Secondary valuation. Exception cleared. | 07/29/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 842375 | xxxxxx | 33973968 | xxxxxx | 07/21/2025 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | Matrix states age of documents as 90 days and guidelines state 120 days. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-22): Client elects to waive with verified compensation factors |  |  | 07/22/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842411 | xxxxxx | 34274091 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Appraisal dated xxxxxx missing evidence of receipt. |  | Reviewer Comment (2025-08-19): Client elects to waive.<br>Reviewer Comment (2025-08-08): Revised Appraisal report dated xxxxxx was not delivered within 3 business days of closing. The closing date is xxxxxx and report date is same. Exception remains. |  |  | 08/19/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842411 | xxxxxx | 34274092 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.97521% or Final Disclosure APR of 10.03700% is equal to or greater than the threshold of APOR 6.67% + 2.5%, or 9.17000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 9.97521% or Final Disclosure APR of 10.03700% is equal to or greater than the threshold of APOR 6.67% + 2.5%, or 9.17000%. Non-Compliant Higher Priced Mortgage Loan. |  | Reviewer Comment (2025-08-08): Delivery evidence received for preliminary and revised appraisal. | 08/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842411 | xxxxxx | 34274093 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Appraisal dated xxxxxx missing evidence of receipt. |  | Reviewer Comment (2025-08-08): Delivery evidence received for preliminary and revised appraisal. | 08/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842411 | xxxxxx | 34274094 | xxxxxx | 08/04/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 6.76 is less than Guideline PITIA months reserves of 12.00. | 12 months required reserves not provided in file. |  | Reviewer Comment (2025-08-08): Received recent matrix and reserve requirements, exception cleared. | 08/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842411 | xxxxxx | 34274095 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to missing asset documentation: 12 months required reserves not provided in file. |  | Reviewer Comment (2025-08-08): Received recent matrix and reserve requirements, exception cleared. | 08/08/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842411 | xxxxxx | 34274096 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR risk due to missing asset documentation: 12 months required reserves not provided in file. |  | Reviewer Comment (2025-08-08): Received recent matrix and reserve requirements, exception cleared. | 08/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842411 | xxxxxx | 34274097 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  | Reviewer Comment (2025-08-08): Delivery evidence received for preliminary and revised appraisal. | 08/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842411 | xxxxxx | 34274099 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Revised Appraisal report dated xxxxxx was not delivered within 3 business days of closing. |  | Reviewer Comment (2025-08-19): Client elects to waive. |  |  | 08/19/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842419 | xxxxxx | 34153173 | xxxxxx | 08/12/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-08-14): Received UCDP with CU Score of 1. Exception cleared. | 08/14/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 842432 | xxxxxx | 34062250 | xxxxxx | 08/01/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Investor Exception in file to consider Ledger in lieu of VOR. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-01): Client elects to waive with verified compensation factors |  |  | 08/01/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842432 | xxxxxx | 34062367 | xxxxxx | 08/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-450.00. Insufficient or no cure was provided to the borrower. (9300) | The Lender Credits decreased from $450.00 on the Loan Estimate dated xxxxxx to $0.00 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-08-18): SitusAMC received rebuttal and valid COC dated xxxxxx <br>Reviewer Comment (2025-08-11): SitusAMC As per rebuttal comment on xxxxxx exception for VOR was raised on xxxxxx and granted on xxxxxx . The discount point and lender credit changed on xxxxxx which is outside 3 days timeline. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Reviewer Comment (2025-08-07): SItusAMC received rebuttal comment as per which the program was changed on xxxxxx but the changes disclosed on xxxxxx after confirmation received from borrower. However, COC dated xxxxxx does not shows the reason for program change. Please provide more information regarding borrower confirmation to validate the timeline for COC or cure would be required.<br>Reviewer Comment (2025-08-04): SitusAMC Received COC dated xxxxxx states VOR exception; however, require additional information along with supporting documents why VOR exception was raised and when lender became aware of the change. Provide supporting documents showing when exception was approved or provide cure docs. Cure docs consist of PCCD, LOE, Refund check and proof of Mailing. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842432 | xxxxxx | 34062368 | xxxxxx | 08/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $450.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points Fee increased from $0.00 on the initial Loan Estimate to $450.00 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-08-18): SitusAMC received COC Dated xxxxxx <br>Reviewer Comment (2025-08-11): SitusAMC As per rebuttal comment on xxxxxx exception for VOR was raised on xxxxxx and granted on xxxxxx . The discount point and lender credit changed on xxxxxx which is outside 3 days timeline. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Reviewer Comment (2025-08-07): SItusAMC received rebuttal comment as per which the program was changed on xxxxxx but the changes disclosed on xxxxxx after confirmation received from borrower. However, COC dated xxxxxx does not shows the reason for program change. Please provide more information regarding borrower confirmation to validate the timeline for COC or cure would be required.<br>Reviewer Comment (2025-08-04): SitusAMC Received COC dated xxxxxx states VOR exception; however, require additional information along with supporting documents why VOR exception was raised and when lender became aware of the change. Provide supporting documents showing when exception was approved or provide cure docs. Cure docs consist of PCCD, LOE, Refund check and proof of Mailing. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842452 | xxxxxx | 34022934 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $132.00 exceeds tolerance of $118.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-07-23): Sufficient Cure Provided At Closing |  | 07/23/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure B | C | A B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842452 | xxxxxx | 34022941 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-07-31): SitusAMC received CDs. | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | No Defined Cure B | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842452 | xxxxxx | 34022943 | xxxxxx | 07/29/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-07-30): Title search provided | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842452 | xxxxxx | 34022985 | xxxxxx | 07/29/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-28): Client elects to waive. Two AVMs from separate companies were used for value. This is a CES loan. |  |  | 07/28/2025 | 2 | A | A B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842452 | xxxxxx | 34067415 | xxxxxx | 07/29/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage history for xxxxxx REO DLA xxxxxx. Supplement states institutional refused to provide updated history. |  | Reviewer Comment (2025-08-12): Even though the credit report has DLA of xxxxxx the payments are through 5/25, and a xxxxxx statement was provided to show the current activity.<br>Reviewer Comment (2025-08-05): The same documents were provided that were in file at time of review. Dat4e of Report is not the date of last activity. The DLA is xxxxxx. Need current mortgage history per guidelines. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842452 | xxxxxx | 34067789 | xxxxxx | 07/29/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | 1) VVOE for xxxxxx is dated > 10 days prior to the Note date 2) The VVOE for xxxxxx is dated post close. All VVOE's must be within 10 days prior to the Note date or a paystub provided dated within 30 days prior to the Note date. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-05): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-08-04): VVOE for xxxxxx is dated post close and the VVOE for xxxxxx is dated > 10 days prior to closing and additional VVOE's provided at time review post close. VVOE's need to be dated within 10 days prior to closing or a paystub provided within 30 days prior to closing<br>Reviewer Comment (2025-07-30): The same VVOE's were provided that were in file at time of review. VVOE for xxxxxx is > 10 days prior to closing and the VVOE for xxxxxx is dated > 10 days prior to closing and additional VVOE's provided at time review post close. VVOE's need to be dated within 10 days prior to closing or a paystub provided within 30 days prior to closing |  |  | 08/05/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842452 | xxxxxx | 34067817 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | 1) VVOE for xxxxxx is dated > 10 days prior to the Note date 2) The VVOE for xxxxxx is dated post close. All VVOE's must be within 10 days prior to the Note date or a paystub provided dated within 30 days prior to the Note date. |  | Reviewer Comment (2025-08-05): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-08-04): VVOE for xxxxxx is dated post close and the VVOE for xxxxxx is dated > 10 days prior to closing and additional VVOE's provided at time review post close. VVOE's need to be dated within 10 days prior to closing or a paystub provided within 30 days prior to closing<br>Reviewer Comment (2025-07-30): The same VVOE's were provided that were in file at time of review. VVOE for xxxxxx is > 10 days prior to closing and the VVOE for xxxxxx is dated > 10 days prior to closing and additional VVOE's provided at time review post close. VVOE's need to be dated within 10 days prior to closing or a paystub provided within 30 days prior to closing | 08/05/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | C | A B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842452 | xxxxxx | 34067818 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | 1) VVOE for xxxxxx is dated > 10 days prior to the Note date 2) The VVOE for xxxxxx is dated post close. All VVOE's must be within 10 days prior to the Note date or a paystub provided dated within 30 days prior to the Note date. |  | Reviewer Comment (2025-08-05): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-08-04): VVOE for xxxxxx is dated post close and the VVOE for xxxxxx is dated > 10 days prior to closing and additional VVOE's provided at time review post close. VVOE's need to be dated within 10 days prior to closing or a paystub provided within 30 days prior to closing<br>Reviewer Comment (2025-07-30): The same VVOE's were provided that were in file at time of review. VVOE for xxxxxx is > 10 days prior to closing and the VVOE for xxxxxx is dated > 10 days prior to closing and additional VVOE's provided at time review post close. VVOE's need to be dated within 10 days prior to closing or a paystub provided within 30 days prior to closing | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842454 | xxxxxx | 34180537 | xxxxxx | 08/15/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Initial 1003 is missing. |  | Reviewer Comment (2025-08-15): The client elects to waive. |  |  | 08/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842454 | xxxxxx | 34180676 | xxxxxx | 08/15/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Address includes xxxxxx and the Note does not. |  | Reviewer Comment (2025-08-22): Updated HOI provided | 08/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842454 | xxxxxx | 34180704 | xxxxxx | 08/15/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Policy amount is missing. |  | Reviewer Comment (2025-08-22): Received Title Supplement report with coverage amount. Exception cleared. | 08/22/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842454 | xxxxxx | 34180711 | xxxxxx | 08/15/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-08-22): E-consent provided | 08/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842454 | xxxxxx | 34243799 | xxxxxx | 08/19/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. | LOE in file from borrower states that they intend to occupy one of the xxxxxx units as their primary residence. |  | Reviewer Comment (2025-08-22): Client elects to waive<br>Reviewer Comment (2025-08-22): Business purpose loan supported. |  |  | 08/22/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842460 | xxxxxx | 34139829 | xxxxxx | 08/11/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Final 1003 current address reflects as no primary housing expense. However, subject property is refinance of primary residence. |  | Reviewer Comment (2025-08-15): Received corrected 1003. Exception cleared. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842460 | xxxxxx | 34141777 | xxxxxx | 08/11/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | One policy shows address as xxxxxx and the other shows xxxxxx xxxxxx Note just shows xxxxxx. |  | Reviewer Comment (2025-08-19): Address affidavit provided as well as the appraisal pick also verifies these address on the units. | 08/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842576 | xxxxxx | 34027866 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. | Borrower: xxxxxx | Subject transaction is Refinance of Primary Property. However on Co-Borrower's Declaration (Section 5 A) "Will you occupy the property as your primary residence?" is checked as No. Provide the corrected 1003. |  | Reviewer Comment (2025-08-06): Received corrected 1003. Exception cleared.<br>Reviewer Comment (2025-08-04): Please review the final 1003 for Sue. The dec page says No to will you occupy as primary residence. Provide the updated 1003. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842576 | xxxxxx | 34034606 | xxxxxx | 07/30/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | No mortgage is being paid off. H-8 should have been utilized. |  | Reviewer Comment (2025-08-13): The corrected RTCs were provided.<br>Reviewer Comment (2025-08-07): The E-Consent Agreement is not the docusign to support the borrower's e-signed the disclosures. Provide the docusign and LOE to borrowers.<br>Reviewer Comment (2025-08-04): Received corrected RTC's re-opening rescission after closing. Docsigns are required for all parties since RTC's are esigned as well as LOE to borrowers. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842576 | xxxxxx | 34097987 | xxxxxx | 07/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | YTD income is not within 10% of 2024 income. (YTD income $5,110.76, 2024 income $6,605.64 - Both include 10% expense factor) | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Reviewer Comment (2025-08-04): Client elects to waive with verified compensation factors |  |  | 08/04/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842576 | xxxxxx | 34098495 | xxxxxx | 07/30/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 691 is less than Guideline representative FICO score of 720. | Minimum for CES xxxxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Reviewer Comment (2025-08-04): Client elects to waive with verified compensation factors |  |  | 08/04/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842576 | xxxxxx | 34098642 | xxxxxx | 07/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $658.48 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | COC provided does not give a valid reason for additional of free. |  | Reviewer Comment (2025-08-06): SiusAMC received valid COC dated xxxxxx  | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842620 | xxxxxx | 34164471 | xxxxxx | 08/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-08-18): Received Credit Report Gap. Exception cleared. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842620 | xxxxxx | 34164505 | xxxxxx | 08/13/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Deposit Receipt | Provide two (2) months of proof of the receipt of rental income for property xxxxxx. The deposits must be to a separate bank account. |  | Reviewer Comment (2025-08-27): Received two (2) months of proof of the receipt of rental income. Exception cleared.<br>Reviewer Comment (2025-08-25): Received extension of lease, however received statement from cash app unable to identify the rental income since the amount does not match with the lease agreement, therefore provide the rental statement from the management company. Exception remains.<br>Reviewer Comment (2025-08-22): Received same deposit receipt which was already in file for the subject property. Provide deposits of rent from xxxxxx for property xxxxxx. Exception remains.<br>Reviewer Comment (2025-08-20): Received deposit receipt is for the subject property, however the document requested is for two (2) months of proof of the receipt of rental income for property xxxxxx. Exception remains. | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842620 | xxxxxx | 34164525 | xxxxxx | 08/13/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | There is no PITIA payments considered in DTI calculations for property xxxxxx. Provide documets to verify that Borrower is not liable for Mortgage payments on this property. The Mortgage statement Provided reflects name of xxxxxx & also Fraud report reflects primary owner as xxxxxx. |  | Reviewer Comment (2025-08-25): Received Note which verified that the borrower is not liable for mortgage payments. Exception cleared.<br>Reviewer Comment (2025-08-20): Received Mortgage Statement, however Mortgage Statement does not always reflect all borrower's name, therefore provide Note or Property History Report to verify borrower is not liable for mortgage payments. Exception remains. | 08/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842620 | xxxxxx | 34171058 | xxxxxx | 08/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Bylaws for the Borrowing Entity not provided in the file. |  | Reviewer Comment (2025-08-25): Received Bylaws for the Borrowing Entity. Exception cleared. | 08/25/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842620 | xxxxxx | 34171061 | xxxxxx | 08/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | COGS for the Borrowing Entity not provided in the file. |  | Reviewer Comment (2025-08-25): Received Borrowing Entity. Exception cleared.<br>Reviewer Comment (2025-08-20): Received Business Entity Listing that does not have the pull date. Exception remains. | 08/25/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842620 | xxxxxx | 34171065 | xxxxxx | 08/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Borrowing resolution / Corporate Resolution for the Borrowing Entity not provided in the file. |  | Reviewer Comment (2025-08-21): Received Corporate Resolution for the Borrowing Entity. Exception cleared. | 08/21/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842620 | xxxxxx | 34176802 | xxxxxx | 08/13/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Please provide SOF for the closing wire $74,857.38 |  | Reviewer Comment (2025-08-18): Received sourced bank statement. Exception cleared. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842650 | xxxxxx | 34089028 | xxxxxx | 08/04/2025 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a xxxxxx Citizen, and the guideline required documentation was not provided. | Borrower: xxxxxx | Provide back side copy of PRA Card. |  | Reviewer Comment (2025-08-11): Received back side copy of PRA Card. Exception cleared. | 08/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842650 | xxxxxx | 34089061 | xxxxxx | 08/04/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Provide evidence of receipt for gift funds in the amount $10,000, $9,000 & $16,000. |  | Reviewer Comment (2025-08-11): Received Wire Confirmation for the gift funds in amount of $10,000, $9,000 & $16,000. Exception cleared. | 08/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842650 | xxxxxx | 34089126 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender xxxxxx ID, Contact Name, Contact xxxxxx ID). (Final xxxxxx) | The Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender xxxxxx ID, Contact Name, Contact xxxxxx ID). |  | Reviewer Comment (2025-08-11): SitusAMC received PCCD. |  | 08/11/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842650 | xxxxxx | 34136132 | xxxxxx | 08/04/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxxxx Bank Statement provided cover the period of 5-8-2025 to 7-16-2025. Missing bank statements for 1-1-2025 to 5-7-2025. All deposits for 1099 income must be within 10% of previous years income. |  | Reviewer Comment (2025-08-18): Received xxxxxx Bank statement for 1-1-2025 to 5-7-2025. Exception cleared. | 08/18/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842702 | xxxxxx | 34035927 | xxxxxx | 07/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Insufficient Business Bank Statements for income. 11 statements in file, 12 are required. This is for the xxxxxx. |  | Reviewer Comment (2025-08-04): Updated 1008/1003: Provided for removing account xxxxxx. Loan still qualifies. The Loan is Non-QM | 08/04/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842702 | xxxxxx | 34035928 | xxxxxx | 07/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less t xxxxxx n xxxxxx/Bank Statements) | Provide most recent bank statement for the business xxxxxx as the provided statements in file are only for 11 months. Period starting from xxxxxx - xxxxxx . Insufficient Business Bank Statements for income. 11 statements in file, 12 are required. This is for the xxxxxx. |  | Reviewer Comment (2025-08-04): Updated 1008/1003 provided removing account xxxxxx. Loan still qualifies. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842702 | xxxxxx | 34035930 | xxxxxx | 07/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay – Bank Statement Guidelines Require 12 or more Months | Ability to Repay (Dodd-Frank 2014): Guidelines require 12 or more consecutive months bank statements. (xxxxxx, xxxxxx xxxxxx/Bank Statements) | Provide most recent bank statement for the business xxxxxx as the provided statements in file are only for 11 months. Period starting from xxxxxx - xxxxxx . Insufficient Business Bank Statements for income. 11 statements in file, 12 are required. This is for the xxxxxx. |  | Reviewer Comment (2025-08-04): Updated 1008/1003 provided removing account xxxxxx. Loan still qualifies. | 08/04/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842702 | xxxxxx | 34035932 | xxxxxx | 07/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Insufficient Business Bank Statement |  | Reviewer Comment (2025-08-04): Updated 1008/1003 provided removing account xxxxxx. Loan still qualifies. | 08/04/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842702 | xxxxxx | 34035933 | xxxxxx | 07/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $312,248.07 is over disclosed by $225.00 compared to the calculated Amount Financed of $312,023.07 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 xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed an amount financed of $312,248.07; calculated amount financed is $312,023.07. Variance is $225.00. |  | Reviewer Comment (2025-08-25): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-08-06): Email to investor: The appraisal management fee is listed on the appraisal invoice (does not need to be broken out on the Final CD) and is included in the finance charges. The purpose of the fee or the function that the appraisal management company (AMC) performs determines if the fee is considered a finance charge. If the AMC fee is primarily for purposes covered under 1026.4(c)(7) such as the verification or confirmation of information related to the appraisal such as quality checks or reviewing appraisals this would be excluded from finance charges (see excerpt below from Comment to 1026.4(c)(7)-1). However, if the AMC fee is primarily for selecting an appraiser, managing the appraisal process and delivery, or other items unrelated verifying or confirming the appraisal, it would not be considered an excludable fee under 1026.4(c)(7)), and would be included as a finance charge. An attestation from the lender or AMC specifying the specific services and primary functions performed by the AMC will assist in determining whether or not the fee is a finance charge. If the AMC is utilized consistently for all Verus loans, the attestation should also indicate this so that the fee can be captured accordingly. |  | 08/25/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842702 | xxxxxx | 34035934 | xxxxxx | 07/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $463,450.38 is under disclosed by $225.00 compared to the calculated Finance Charge of $463,675.38 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $463,450.38; calculated finance charge is $463,675.38. Variance is $225.00. |  | Reviewer Comment (2025-08-25): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-08-06): Email to investor: The appraisal management fee is listed on the appraisal invoice (does not need to be broken out on the Final CD) and is included in the finance charges. The purpose of the fee or the function that the appraisal management company (AMC) performs determines if the fee is considered a finance charge. If the AMC fee is primarily for purposes covered under 1026.4(c)(7) such as the verification or confirmation of information related to the appraisal such as quality checks or reviewing appraisals this would be excluded from finance charges (see excerpt below from Comment to 1026.4(c)(7)-1). However, if the AMC fee is primarily for selecting an appraiser, managing the appraisal process and delivery, or other items unrelated verifying or confirming the appraisal, it would not be considered an excludable fee under 1026.4(c)(7)), and would be included as a finance charge. An attestation from the lender or AMC specifying the specific services and primary functions performed by the AMC will assist in determining whether or not the fee is a finance charge. If the AMC is utilized consistently for all Verus loans, the attestation should also indicate this so that the fee can be captured accordingly. |  | 08/25/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842702 | xxxxxx | 34035942 | xxxxxx | 07/30/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Verify that sufficient funds to cover the gift are either in the donor's account or have been transferred to the borrower's account and reflected on the most recent bank statement. Evidence of receipt of the gifts funds not provided in the file. The two (2) wires received post close on xxxxxx in the amounts of $44,600.62 and $19,14719 appear to be from the Borrower and not the donor. <br>Acceptable documentation includes the following:<br> • A copy of the donor's check and the borrower's deposit slip,<br> • A copy of the donor's withdrawal slip and the borrower's deposit slip,<br> • A copy of the donor's check to the closing agent, or<br> • A settlement statement showing receipt of the donor's check.<br> When the funds are not transferred prior to settlement, must document that the donor gave the closing agent the gift funds in the form of a certified check, a cashier's check, or other official check. |  | Reviewer Comment (2025-08-27): Received bank statement of donor. Exception cleared. | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842702 | xxxxxx | 34035944 | xxxxxx | 07/30/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Provide most recent bank statement for the business xxxxxx as the provided statements in file are only for 11 months. Period starting from xxxxxx - xxxxxx . |  | Reviewer Comment (2025-08-04): Updated 1008/1003 provided removing account xxxxxx. Loan still qualifies.<br>Reviewer Comment (2025-08-04): No new document was uploaded into clarity. Please provide the document as requested on the original condition. Exception remains. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842702 | xxxxxx | 34035947 | xxxxxx | 07/30/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing.<br>Note: • Any new tradeline with a balance must be included in the determining the DTI ratio |  | Reviewer Comment (2025-08-05): Received Credit Report - Gap. Excepton cleared.<br>Reviewer Comment (2025-08-04): No new document was uploaded into clarity. Please provide the document as requested on the original condition. Exception remains. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842702 | xxxxxx | 34035996 | xxxxxx | 07/30/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Account Statements - Business | Provide most recent bank statement for the business xxxxxx as the provided statements in file are only for 11 months. Period starting from xxxxxx - xxxxxx . Insufficient Business Bank Statements for income. 11 statements in file, 12 are required. This is for the xxxxxx. |  | Reviewer Comment (2025-08-04): Updated 1008/1003 provided removing account xxxxxx. Loan still qualifies.<br>Reviewer Comment (2025-08-04): No new document was uploaded into clarity. Please provide the document as requested on the original condition. Exception remains. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842702 | xxxxxx | 34036017 | xxxxxx | 07/30/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx HOA Verification | As per Final 1003 and Fraud report in file, the documents indicate there is an HOA fees on the property ' xxxxxx.'. Provide HOA statement to verify the monthly HOA dues. |  | Reviewer Comment (2025-08-05): Received HOA Statement. Exception cleared.<br>Reviewer Comment (2025-08-04): No new document was uploaded into clarity. Please provide the document as requested on the original condition. Exception remains. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842702 | xxxxxx | 34036031 | xxxxxx | 07/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The xxxxxx document dated xxxxxx reflects the business dissolved xxxxxx . |  | Reviewer Comment (2025-08-13): The loan is now Non-QM<br>Reviewer Comment (2025-08-07): Based on the documents the business was inactive as of xxxxxx and reinstated on xxxxxx . Therefore the business has not been open and active for 2 years due to that gap.<br>Reviewer Comment (2025-08-04): Additional information is required on the dissolution. The guidelines require the business to be open and active for 2 years, however during a time period they were inactive per the xxxxxx. Have the borrower provide an LOE on the situation for review or an investor exception will be required. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842702 | xxxxxx | 34096777 | xxxxxx | 07/30/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The xxxxxx document dated xxxxxx reflects the business dissolved xxxxxx . | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-13): The client elects to waive<br>Reviewer Comment (2025-08-11): The client elects to waive<br>Reviewer Comment (2025-08-07): Based on the documents the business was inactive as of xxxxxx and reinstated on xxxxxx . Therefore the business has not been open and active for 2 years due to that gap.<br>Reviewer Comment (2025-08-04): Additional information is required on the dissolution. The guidelines require the business to be open and active for 2 years, however during a time period they were inactive per the xxxxxx. Have the borrower provide an LOE on the situation for review or an investor exception will be required.<br>Reviewer Comment (2025-08-04): No new document was uploaded into clarity. Please provide the document as requested on the original condition. Exception remains. |  |  | 08/13/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842702 | xxxxxx | 34147142 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  | Reviewer Comment (2025-08-13): The loan is now Non-QM<br>Reviewer Comment (2025-08-07): Based on the documents the business was inactive as of xxxxxx and reinstated on xxxxxx . Therefore the business has not been open and active for 2 years due to that gap. | 08/13/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842717 | xxxxxx | 34010613 | xxxxxx | 07/28/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing.<br>Note: Any new tradeline with a balance must be included in determining the DTI ratio. |  | Reviewer Comment (2025-07-30): Received Credit Report - Gap. Exception cleared. | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842717 | xxxxxx | 34010629 | xxxxxx | 07/28/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The provided Flood Cert. reflects the subject city as xxxxxx vs Note document reflects the subject city as xxxxxx. |  | Reviewer Comment (2025-08-04): Updated flood cert provided | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842717 | xxxxxx | 34010630 | xxxxxx | 07/28/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-08-01): Received Title Final. Exception cleared. | 08/01/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842717 | xxxxxx | 34010638 | xxxxxx | 07/28/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-08-01): Received Title Final. Exception cleared. | 08/01/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842740 | xxxxxx | 34051532 | xxxxxx | 07/31/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-08-01): Received Loan Underwriting and Transmittal Summary with UW name. Exception cleared. | 08/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842740 | xxxxxx | 34051619 | xxxxxx | 07/31/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation |  |  | Reviewer Comment (2025-08-12): SitusAMC received xxxxxx CD<br>Reviewer Comment (2025-08-08): If the overstated APR was based on an overstated finance charge amount, then the additional 3 day waiting period would not be required. If this is not the case, then the 3 day wait would be required. On this loan, the APR became inaccurate from the xxxxxx CD to the final xxxxxx CD because of changes to the loan terms (linterest rate change). Accordingly, the APR disclosed on the final CD is considered to have become INACCURATE as compared to the APR disclosed on the prior CD as defined under 1026.22 since the disclosed APR on the final CD is xxxxxx of a percent above or below the APR on the prior CD it was not based on an overstated finance charge. Therefore, an additional 3 day waiting period is required pursuant to 1026.19(f)(2)(ii)(A) which refers to 1026.22 to determine if APR became inaccurate. Timing was not met for the increase in APR over .125% on the xxxxxx Final CD. Provide any missing CD's after xxxxxx and prior to xxxxxx that meet the 3 day waiting period requirement, otherwise this is valid exception and timing violations cannot be cured. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TRID timing exception, no remediation available. C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842743 | xxxxxx | 34130557 | xxxxxx | 08/07/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Seller, xxxxxx. |  | Reviewer Comment (2025-08-13): Received Fraud and OFAC search run on Seller, and xxxxxx. Exception cleared.<br>Reviewer Comment (2025-08-11): Received updated fraud report, Fraud and OFAC search run on the seller, xxxxxx. However missing Fraud and OFAC search for xxxxxx. Exception remains. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842743 | xxxxxx | 34130560 | xxxxxx | 08/07/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Credit Report reflects the mortgage in amount of $xxxxxx transferred to another lender for the property located at xxxxxx. Provide document to verify the mortgage payment. Since credit report reflects DLA xxxxxx 25. |  | Reviewer Comment (2025-08-11): Received Payoff Letter contains all information that is required on VOM. Exception cleared. | 08/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842743 | xxxxxx | 34130569 | xxxxxx | 08/07/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | The file contains Payoff Statement for the property located at xxxxxx. Therefore provide Final Closing Disclosure or 1st Payment Letter if borrower is refinancing the property. |  | Reviewer Comment (2025-08-12): Received VOM and Mortgage statement. Exception cleared. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842743 | xxxxxx | 34130588 | xxxxxx | 08/07/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Business License | The file is missing 2 years business license for xxxxxx. |  | Reviewer Comment (2025-08-14): Received Business License for xxxxxx. Exception cleared.<br>Reviewer Comment (2025-08-12): Received LOX for xxxxxx and received Franchise Tax Account Status for xxxxxx and xxxxxx. Provide 2 years business license for xxxxxx. Exception remains. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842743 | xxxxxx | 34130677 | xxxxxx | 08/07/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-08-13): The Rate Lock was provided. | 08/13/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842743 | xxxxxx | 34130678 | xxxxxx | 08/07/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The file is missing 2 years business license for xxxxxx. |  | Reviewer Comment (2025-08-15): All the missing income docs have been received.<br>Reviewer Comment (2025-08-13): Received LOX for xxxxxx and received Franchise Tax Account Status for xxxxxx and xxxxxx. Provide 2 years business license for xxxxxx. Exception remains. | 08/15/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842743 | xxxxxx | 34130679 | xxxxxx | 08/07/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The file is missing 2 years business license for xxxxxx. |  | Reviewer Comment (2025-08-15): All the missing income docs have been received.<br>Reviewer Comment (2025-08-13): Received LOX for xxxxxx and received Franchise Tax Account Status for xxxxxx and xxxxxx. Provide 2 years business license for xxxxxx. Exception remains. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842743 | xxxxxx | 34132425 | xxxxxx | 08/07/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $165.00. Insufficient or no cure was provided to the borrower. (75106) | Collateral Desktop Analysis fee was last shown as $165.00 on the LE but increased to $205.00 on the final CD. No valid COC or cure was provided. Tolerance violation of $40.00. |  | Reviewer Comment (2025-08-28): SitusAMC received updated LOX form borrower with additional information to request the CDA rush.<br>Reviewer Comment (2025-08-21): SitusAMC agreed that the CCO request from indicates that LO name and requested on xxxxxx . However, initial appraisal and SSR report provided in the loan file completed on xxxxxx with CU score 1.6, which is less than 2.5 score. Hence, we also required additional information and supporting documentation of review for borrower requested. Please provide documentation of borrower requested the rush and it should include the date of the borrower's rush request and be documented in writing through copy of borrower emails, Communication log or screenshot of LO notes in LOX, etc. Otherwise cure is required to borrower.<br>Reviewer Comment (2025-08-19): SItusAMC received COC dated xxxxxx for rush ordered. But we also required documentation of the reason for the rush requested What information was received that required the ordered the rush to increase the fee and when was that information received or Cure would be due to borrower.<br>Reviewer Comment (2025-08-14): SitusAMC received rebuttal stating CDA rush was required by borrower for CTC status as early as possible. However, we would require supporting documents i.e. conversation log or email communication in order to clear the exception.<br>Reviewer Comment (2025-08-13): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the CDA rush was requested to increase the fee. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842791 | xxxxxx | 34066855 | xxxxxx | 08/01/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. | Title Policy Coverage xxxxxx is less than Original Loan Amount xxxxxx. Provide an updated title policy to cover the loan amount. |  | Reviewer Comment (2025-08-08): Received updated Title policy reflecting the Title Policy Coverage equal to Loan amount. Exception cleared. | 08/08/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842791 | xxxxxx | 34076253 | xxxxxx | 08/01/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Note in file and PPP Addendum to the Note do not list the business entity, xxxxxx on the signature line. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-01): Client elects to waive |  |  | 08/01/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842791 | xxxxxx | 34076893 | xxxxxx | 08/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing the Certificate of Good Standing for the borrowing business entity. |  | Reviewer Comment (2025-08-08): Received Certificate of Good Standing for the borrowing business entity. Exception cleared. | 08/08/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842791 | xxxxxx | 34076956 | xxxxxx | 08/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception for legal non-conforming. Variance is required if destroyed more than 50%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-01): Client elects to waive with verified compensation factors. Appraiser states legal non-conforming is common for the area, and it is case by case if the property can be rebuilt if more than 50% is destroyed. The neighborhood appears to be mostly residential |  |  | 08/01/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842791 | xxxxxx | 34076983 | xxxxxx | 08/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception to allow 100% of the business assets to be used when the borrower is only 50% owner. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-01): Client elects to waive with verified compensation factors |  |  | 08/01/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842791 | xxxxxx | 34078909 | xxxxxx | 08/01/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Page 1 of the final 1003 shows borrower owns primary residence. Section 3 does not show the primary residence as property you own. Letter in file from spouse states that she owns the property and the borrower lives with her rent free. Provide the updated 1003 reflecting No Primary Housing. |  | Reviewer Comment (2025-08-08): Received updated 1003 reflecting no primary housing. Exception cleared. | 08/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842818 | xxxxxx | 34153561 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Initial CD was not provided. Only Final CD in the file. |  | Reviewer Comment (2025-08-14): SItusAMC received CD dated xxxxxx  | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842848 | xxxxxx | 34179398 | xxxxxx | 08/17/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-08-20): Received E-Sign Consent Agreement. Exception cleared. | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842848 | xxxxxx | 34179505 | xxxxxx | 08/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2025-08-28): Received Guarantor Agreement. Exception cleared.<br>Reviewer Comment (2025-08-27): No new document was received. Provide the document as requested on the original condition. Exception remains. | 08/28/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842848 | xxxxxx | 34179767 | xxxxxx | 08/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Seller, xxxxxx, is missing. |  | Reviewer Comment (2025-08-20): Received updated Fraud Report, fraud and OFAC search run on the seller, xxxxxx. Exception cleared. | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842848 | xxxxxx | 34181969 | xxxxxx | 08/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final application does not list the primary residence on xxxxxx in the REO owned section. |  | Reviewer Comment (2025-08-20): Updated 1003s provided | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842853 | xxxxxx | 33937482 | xxxxxx | 06/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender Acceptation for xxxxxx conversion completed xxxxxx less than 6 months ago, xxxxxx units or approximately 85% of the units are held by the developer and are currently rented and being sold off as xxxxxx units. Control of HOA has not been done yet. Comps borrower FICO 697 and 6 months reserves. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>.$132,746.95 in available reserves | Reviewer Comment (2025-06-12): Client elects to downgrade and waive based on the following compensating factors:<br> Borrower has 6 months reserves and FICO of 697 required FICO 680 <br> Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br> Borrower's Own Funds Percent: 43.79%<br> Borrower's Own Funds Amount: $379,047.22 |  |  | 06/12/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842854 | xxxxxx | 33937502 | xxxxxx | 07/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender exception: Requesting exception to o to 80% LTV for interest only. Currently, the max is 75%, compensating factors are borrower has 12 months reserves and FICO of 737. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>$57,708.89 in available reserves | Reviewer Comment (2025-07-07): Client elects to downgrade and waive with the following compensating factors: <br> Borrower has more than 12 months reserves<br> Guidelines Representative FICO: 620<br> Representative FICO: 737 |  |  | 07/07/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842855 | xxxxxx | 33937457 | xxxxxx | 05/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception was approved at origination for missing modification agreements. All mods were for extension of due dates and do not constitute a housing event as defined per Section 5.15 of the xxxxxx Guide. 70% LTV / Borrower bringing cash into close. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>$319,097.72 in available reserves | Reviewer Comment (2025-05-28): Client elects to downgrade and waive with the following compensating factors: <br> Borrower has 70%LTV and bringing cash to closing <br> Borrower DSCR is 1.07 versus the required 1.00% |  |  | 05/28/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842857 | xxxxxx | 33937452 | xxxxxx | 05/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender exception for missing modification agreements. All mods were for extension of due dates and do not constitute a housing event as defined per Section 5.15 of xxxxxx Guide. Compensating factor: 70% LTV / Borrower bringing cash to closing. | Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2025-05-28): Client elects to downgrade and waive based on the following compensating factors:<br> Borrower is at 70% LTV and is bringing cash to close.<br> Borrower has owned the subject property for at least 5 years. |  |  | 05/28/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842858 | xxxxxx | 33937460 | xxxxxx | 06/05/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for refinance of hard money loan that matured in xxxxxx-have proof of payments made timely, and signed LOE from lender states verbal agreement, however no formal loan modification in place. Comps provided, borrower has FICO 739 / 6 months reserves. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-09-11): bf<br>Reviewer Comment (2025-06-05): Client elects to downgrade and waive with the following compensating factors: <br> Guidelines Representative FICO: 680<br> Representative FICO: 739<br> Borrower has 6 months in reserves. |  |  | 06/05/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842859 | xxxxxx | 33937464 | xxxxxx | 06/09/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx; Disbursement date: xxxxxx; Note date: xxxxxx; Transaction date: xxxxxx |  |  | Reviewer Comment (2025-06-24): HOI previous policy provided, effective xxxxxx to xxxxxx , exception cleared. | 06/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842861 | xxxxxx | 33937476 | xxxxxx | 06/12/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Note Addendum - Missing Prepayment Rider. |  | Reviewer Comment (2025-06-18): Provided and cleared | 06/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | Yes | Property Focused |
| xxxxxx | 842861 | xxxxxx | 33937477 | xxxxxx | 06/12/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  | Rider - 1-4 Family is missing in file |  | Reviewer Comment (2025-06-18): Provided and cleared | 06/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842861 | xxxxxx | 33937478 | xxxxxx | 06/12/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | Rider - PUD is missing in file |  | Reviewer Comment (2025-06-18): Provided and cleared | 06/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842861 | xxxxxx | 33937479 | xxxxxx | 06/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception: borrower has 5 pending loans with us, locked and ready to be submitted for final UW, requesting to have impounds waived. Borrower doing rate/term refinance to lock in a lower rate, required 5 year prepay and bringing in close to xxxxxx to close. Comp factor borrower has 40 points above FICO requirement. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-06-12): Client elects to downgrade and waive based on the following compensating factors: <br> Borrower has 5 pending loans and is bringing in close to xxxxxx to close<br> Guidelines Representative FICO: 680<br> Representative FICO: 777 |  |  | 06/12/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842862 | xxxxxx | 33937484 | xxxxxx | 06/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to waive the borrower's impounds for the loan, borrower has 5 pending loans with the lender which are locked and ready to be submitted for final UW. Borrower is doing a rate/term refinance to lock in a lower rate, requested 5 Year Prepay and is bringing to the closing close to xxxxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>$234,756.77 in available reserves | Reviewer Comment (2025-06-13): Client elects to downgrade and waive with the following compensating factors: <br> Borrower has 5 pending loans with the lender which are locked and ready to be submitted for final UW. <br> Borrower is bringing to the closing close to xxxxxx.<br> Guidelines Representative FICO: 680<br> Representative FICO: 777 |  |  | 06/13/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842864 | xxxxxx | 33937500 | xxxxxx | 06/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception: 1-Refi transaction and use appraisal value of xxxxxx Land Contract recorded xxxxxx xxxxxx, application date xxxxxx , 2- Non-Arms Length- borrower acquired property from employer, 3- Occupancy is investment. Comps are FICO 776, Seasoned Investor with good mortgage history | Borrower's Experience/Track Record. The borrower has over 10 Years of Experience. Currently holds 5 Properties and has Completed 5 Properties.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-06-24): Client elects to downgrade and waive with the following compensating factors: <br> Borrower's Experience/Track Record. The borrower has over 10 Years of Experience. Currently holds 5 Properties and has Completed 5 Properties.<br> Guidelines Representative FICO: 680<br> Representative FICO: 776 |  |  | 06/24/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842868 | xxxxxx | 33937466 | xxxxxx | 06/06/2025 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the xxxxxx is warrantable. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2025-06-10): Non-warrantables allowed per guides, HOA questionnaire in file, exception cleared. | 06/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842871 | xxxxxx | 33937487 | xxxxxx | 06/13/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx | OFAC is missing in the file. |  | Reviewer Comment (2025-06-24): Not required exception cleared. | 06/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842871 | xxxxxx | 33937488 | xxxxxx | 06/13/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Fraud is missing in the file. |  | Reviewer Comment (2025-06-26): Fraud Report provided, exception cleared.<br>Reviewer Comment (2025-06-24): Guides require a separate full fraud report, the credit report is not providing what's required: All loans must include a third-party fraud detection report for all borrowers and/or guarantors. Report findings<br> must cover standard areas of quality control including, but not limited to borrower validation, social security number verification, criminal records, and property information | 06/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842878 | xxxxxx | 33937442 | xxxxxx | 05/15/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | The subject lien Note is not signed by the borrower. |  | Reviewer Comment (2025-05-16): Provided and cleared. | 05/16/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842878 | xxxxxx | 33937443 | xxxxxx | 05/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender exception for the borrower's FICO shore being below the required 700 and LTV at 70%, compensating factors are borrower is financially secure from family's various business, such as xxxxxx, highlights their financial stability and capacity which mitigates the risks associated with the client FICO score and ensure a high likelihood of timely mortgage payments. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Credit Score 30+ points > minimum required | Reviewer Comment (2025-05-15): Client elects to downgrade and waive based on the following compensating factors:<br> The borrowers family strong financial stability <br> Borrower's Own Funds Percent: 30.41%<br> Borrower's Own Funds Amount: $124,711.35 |  |  | 05/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842879 | xxxxxx | 33937437 | xxxxxx | 05/14/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD or Closing Disclosure or Closing Statement missing in loan file |  | Reviewer Comment (2025-05-15): Provided and cleared.<br>Reviewer Comment (2025-05-14): The signed CDs in file are incomplete. Several blank/incomplete/zero fields on pages 1, 4, and 5. Exception remains. | 05/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842880 | xxxxxx | 33937439 | xxxxxx | 05/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender exception: Appraised value is xxxxxx. CDA Desk review came in at xxxxxx - approx. 3% variance with a moderate risk. Need exception to use the higher loan amount of xxxxxx. Comp Factors - 1) 12+ months reserves. 2) 740 credit scroe. 3) 70% LTV. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-05-14): Client elects to downgrade and waive based on the following compensating factors:<br> Borrower FICO score of 740, low LTV at 70% <br> Borrower Reserves: 78.55<br> Guideline Requirement: 12.00 |  |  | 05/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842885 | xxxxxx | 33937448 | xxxxxx | 05/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender exception for 95% investor concentration, compensating factors: FICO of 718, 70% cash out with 12 plus months reserves. | Borrower has owned the subject property for at least 5 years.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2025-05-27): Client elects to downgrade and waive with the following compensating factors:<br> Borrower FICO 718, program required FICO 680 <br> Cash out of 70% <br> Debt Service Coverage Ratio: 2.23<br> Guideline Requirement: 1.00 |  |  | 05/27/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842895 | xxxxxx | 34229619 | xxxxxx | 08/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in Fraud/OFAC search. Authorized signor for the seller, xxxxxx, was not included. |  | Reviewer Comment (2025-08-26): Received OFAC search including the missing participant. Exception cleared | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842895 | xxxxxx | 34230825 | xxxxxx | 08/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 is not provided. |  | Reviewer Comment (2025-08-26): Received fully executed Final 1003. Exception cleared. | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842895 | xxxxxx | 34232322 | xxxxxx | 08/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $123.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) | CDA Fee was not disclosed on the Loan Estimate, but was disclosed as $123.60 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 $123.60, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-09-02): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-08-29): SitusAMC received corrected PCCD, LOE, Copy of refund check and shipping label. However, UPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. |  | 09/02/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842895 | xxxxxx | 34334095 | xxxxxx | 09/02/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (75106) |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided within 60 Days of Closing |  | 09/02/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842908 | xxxxxx | 34274409 | xxxxxx | 08/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) |  |  | Reviewer Comment (2025-08-29): SitusAMC received disclosure summary suffice. | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842910 | xxxxxx | 34138451 | xxxxxx | 08/08/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $59,833.23 is less than Cash From Borrower $149,265.23. |  |  | Reviewer Comment (2025-08-13): Received additional bank statement. Exception cleared. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842910 | xxxxxx | 34138456 | xxxxxx | 08/08/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-08-13): Received Credit Report - Gap. Exception cleared. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842910 | xxxxxx | 34139147 | xxxxxx | 08/08/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. |  |  | Reviewer Comment (2025-08-18): Received additional assets. Exception cleared. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842910 | xxxxxx | 34139154 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves |  | Reviewer Comment (2025-08-18): Additional / updated assets provided. Borrower now has sufficient reserves. | 08/18/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842910 | xxxxxx | 34139155 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves |  | Reviewer Comment (2025-08-18): Additional / updated assets provided. Borrower now has sufficient reserves. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842910 | xxxxxx | 34168522 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $225.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7552) | COC stated fee was added due to investor request, however appraisal was received xxxxxx in as-is condition and fee was not disclosed until xxxxxx More information is required as to when the investor requested this addition. |  | Reviewer Comment (2025-08-14): SitusAMC received valid COC dated xxxxxx  | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842978 | xxxxxx | 34093616 | xxxxxx | 08/04/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | As part of the Appraisal Transfer requirements, a copy of the invoice submitted to the original lender is required and proof that the original report was provided to the borrower. Note Transfer letter states it was provided on xxxxxx please provide a copy of that communication. This appears to be a typo with the year, should be xxxxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-08-04): Client elects to waive |  |  | 08/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | A | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843046 | xxxxxx | 34274106 | xxxxxx | 08/12/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Evidence is missing from file of borrower's receipt of the $38k gift funds. |  | Reviewer Comment (2025-08-15): Received bank Statement. Exception Cleared. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843115 | xxxxxx | 34006942 | xxxxxx | 07/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-21): Client elects to waive with verified compensation factors |  |  | 08/21/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843115 | xxxxxx | 34032536 | xxxxxx | 07/25/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | In instances where the tax returns ore profit and loss statement are more than 120 days seasoned, reasonable evidence of continuing business operations must be provided, including but not limited to any of the following:<br> • Third party letter indicating that the business is still in existence and operating, dated within 120 days of the Note Date<br> • Certificate of Good Standing for the business from the applicable state or local authority, dated within 120 days of the Note Date<br> • Active business license for the business<br> • Online Search indicating that the business is still in operation, dated within 120 days of the Note Date<br> • xxxxxx bank statements, dated within 120 days of the Note Date, showing reasonable evidence of operationing activities<br> • Business bank statements, dated within 120 days of the Note date, evidencing operating activities |  | Reviewer Comment (2025-07-31): xxxxxx bank statements provided reflecting deposits from business (borrower W2's himself) dated within 120 days which meets guideline requirements. | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843124 | xxxxxx | 34215020 | xxxxxx | 08/20/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | Disbursement date on the Final CD is prior to the RTC expiration date. If the disbursement date on the Final CD is incorrect, provide the final stamped settlement statement to support. |  | Reviewer Comment (2025-08-22): PC-CD and Final Stamped Settlement provided with updated disbursement date. Rescission met | 08/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 843143 | xxxxxx | 34104755 | xxxxxx | 08/05/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history for subject property does not appear on credit report, therefore provide, Mortgage statement or Note for the review period to verify monthly payment amount, and • Proof of payments through one of the following: o 12-months cancelled checks, ACH payment, bank transfer/wire, or electronic payment method from the borrower § Payments made in cash are not eligible, or o 12-months mortgage statements for the review period, or o 12-months loan payment history from the creditor/servicer § Proof of borrower's payment for the most recent 6-months is required, or o 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer § Proof of borrower's payment for the most recent 6-months is required. |  | Reviewer Comment (2025-08-18): Received Proof of borrower's payment for the most recent 6-months. Exception cleared.<br>Reviewer Comment (2025-08-14): Received 6 months Credit Card Statements where unable to identify that the xxxxxx payments are paid for mortgage. Provide most recent 6-months mortgage statement. Exception remains.<br>Reviewer Comment (2025-08-13): Received Credit Supplement, Note and Mortgage Statement, however pending proof of borrower's payment for the most recent 6-months is required. Exception remains. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843143 | xxxxxx | 34104760 | xxxxxx | 08/05/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter, CPA Verification | The prepare letter provided is not dated (must be within 90 days of closing) as well as the preparer's xxxxxx was not verified. |  | Reviewer Comment (2025-08-22): Received updated CPA letter. Exception cleared.<br>Reviewer Comment (2025-08-18): xxxxxx verified. However, the same CPA letter was provided with the date added in a different font (altered) and is not acceptable. | 08/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843143 | xxxxxx | 34104837 | xxxxxx | 08/05/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-08-18): Received UCDP from xxxxxx with CU Score of 1. Exception cleared. | 08/18/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843143 | xxxxxx | 34104867 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-08-05): Client elects to waive |  |  | 08/05/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843143 | xxxxxx | 34104869 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The prepare letter provided is not dated (must be within 90 days of closing) as well as the preparer's xxxxxx was not verified. |  | Reviewer Comment (2025-08-22): Updated CPA letter provided accepted by reviewer.<br>Reviewer Comment (2025-08-18): xxxxxx verified. However, the same CPA letter was provided with the date added in a different font (altered) and is not acceptable. | 08/22/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B C | C | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843143 | xxxxxx | 34104870 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The prepare letter provided is not dated (must be within 90 days of closing) as well as the preparer's xxxxxx was not verified. |  | Reviewer Comment (2025-08-22): Updated CPA letter provided accepted by reviewer.<br>Reviewer Comment (2025-08-18): xxxxxx verified. However, the same CPA letter was provided with the date added in a different font (altered) and is not acceptable. | 08/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843143 | xxxxxx | 34104936 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,567.00 exceeds tolerance of $1,417.00 plus 10% or $1,558.70. Insufficient or no cure was provided to the borrower. xxxxxx | 10% tolerance violation of $9.00 due to increase in Recording Fee. No valid COC or cure was provided. |  | Reviewer Comment (2025-08-22): SitusAMC Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-08-18): SitusAMC received COC stating "additional recording filing fee for Building homes and Jobs act' we would require supporting documents when did the lender became aware that this Building homes and jobs act should be applied. Kindly provide supporting document in order to clear the exception, |  | 08/22/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843143 | xxxxxx | 34104937 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $15,680.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points Fee was not disclosed on the initial Loan Estimate and was charged to $15,680.00 on the Closing Disclosure dated xxxxxx without a valid change of circumstance. |  | Reviewer Comment (2025-08-18): SitusAMC received a valid COC. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843163 | xxxxxx | 34088726 | xxxxxx | 08/04/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-08-06): Received 1008 with UW name. Exception cleared. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843163 | xxxxxx | 34088758 | xxxxxx | 08/04/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide documents to verify that property xxxxxx is Free & Clear from Mortgage payments. |  | Reviewer Comment (2025-08-07): Received Property History report reflecting evidencing the property is free and clear and being released from all the previous liens. Exception cleared.<br>Reviewer Comment (2025-08-07): No new documents received. Please try uploading again. Exception Remains.<br>Reviewer Comment (2025-08-06): Received HOI Policy, however HOI is not sufficient to verify that property is free and clear. Please provide Property History Report. Exception remains. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843164 | xxxxxx | 34051032 | xxxxxx | 07/31/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | COC reflects waiver of impounds and property updated to attached xxxxxx, however previous CD dated xxxxxx did not reflect escrows and appears property type was disclosed as xxxxxx. COC is not valid. |  | Reviewer Comment (2025-08-06): SitusAMC Received Valid COC dated xxxxxx | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843164 | xxxxxx | 34107494 | xxxxxx | 07/31/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Preparer does not provided Confirmation that they prepared the most recent 2 years tax return filing for the borrower's business. |  | Reviewer Comment (2025-08-11): Received updated CPA letter provided Confirmation that they prepared the most recent 2 years tax return filing for the borrower's business. Exception cleared. | 08/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843164 | xxxxxx | 34107516 | xxxxxx | 07/31/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The provided VOR in file reflects the borrower has rented the property at xxxxxx since xxxxxx . The 1003 reflects rented for 3 years. Provide the updated 1003. Previous housing history will also be required for a complete 12 months or rent free letter (if living rent free previously). |  | Reviewer Comment (2025-08-13): Received corrected 1003, LOX to verify borrower living rent-free. Exception cleared. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843164 | xxxxxx | 34107647 | xxxxxx | 07/31/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Preparer does not provided Confirmation that they prepared the most recent 2 years tax return filing for the borrower's business. |  | Reviewer Comment (2025-08-11): An updated CPA stating they prepared the most recent 2 years' tax returns was provided. | 08/11/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843164 | xxxxxx | 34107648 | xxxxxx | 07/31/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Preparer does not provided Confirmation that they prepared the most recent 2 years tax return filing for the borrower's business. |  | Reviewer Comment (2025-08-11): An updated CPA stating they prepared the most recent 2 years' tax returns was provided. | 08/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843169 | xxxxxx | 34135763 | xxxxxx | 08/08/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-08-12): Received Title Final Policy. Exception cleared. | 08/12/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843169 | xxxxxx | 34135766 | xxxxxx | 08/08/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-08-12): Received Title Final Policy. Exception cleared. | 08/12/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843169 | xxxxxx | 34135918 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | The file is missing rate lock document. |  | Reviewer Comment (2025-08-13): The client elects to waive. |  |  | 08/13/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843170 | xxxxxx | 34021887 | xxxxxx | 07/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signors for seller, xxxxxx, were not included in the report. |  | Reviewer Comment (2025-08-01): Received Fraud and OFAC Search run on xxxxxx. Exception cleared.<br>Reviewer Comment (2025-07-31): Received fraud and OFAC search is run on the seller xxxxxx. However, fraud and OFAC search run on xxxxxx is run on incorrect name. Please provide search run on xxxxxx. Exception remains. | 08/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843176 | xxxxxx | 34150617 | xxxxxx | 08/11/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Please provide gift letter for the xxxxxx $10,000.00 deposit into xxxxxx from xxxxxx |  | Reviewer Comment (2025-08-18): Received gift letter $10,000.00 deposit into xxxxxx from xxxxxx Exception cleared.<br>Reviewer Comment (2025-08-14): Not asking for the source, the Gift Letter is missing from the file, which is required. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843176 | xxxxxx | 34150632 | xxxxxx | 08/11/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Please provide parent gift letter for the xxxxxx $100,000.00 deposit into xxxxxx from xxxxxx. Note: Rent Free LOE in file from same party (Parent). |  | Reviewer Comment (2025-08-18): Received Gift letter $100,000.00 deposit into xxxxxx from xxxxxx. Exception cleared.<br>Reviewer Comment (2025-08-14): Not asking for the source, the Gift Letter is missing from the file, which is required. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843176 | xxxxxx | 34150661 | xxxxxx | 08/11/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Please provide parent gift letter for the xxxxxx $10,000.00 deposit into xxxxxx xxxxxx from xxxxxx. Note: Rent Free LOE in file from same party (Parent). |  | Reviewer Comment (2025-08-18): Receive gift letter $10,000.00 deposit into xxxxxx from xxxxxx. Exception cleared.<br>Reviewer Comment (2025-08-14): Not asking for the source, the Gift Letter is missing from the file, which is required. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843176 | xxxxxx | 34172324 | xxxxxx | 08/11/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 4.00. |  |  | Reviewer Comment (2025-08-19): Additional gift letter provided. Received into personal account xxxxxx and backed out. Per guidelines, gifts can be used for closing and reserves.<br>Reviewer Comment (2025-08-14): Not asking for the source, the Gift Letters are missing from the file, which is required. | 08/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843176 | xxxxxx | 34172342 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  | Reviewer Comment (2025-08-19): Additional gift letter provided. Received into personal account xxxxxx and backed out. Per guidelines, gifts can be used for closing and reserves.<br>Reviewer Comment (2025-08-14): Not asking for the source, the Gift Letters are missing from the file, which is required. | 08/19/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843176 | xxxxxx | 34172350 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Unable to confirm ATR due to missing source of funds. |  | Reviewer Comment (2025-08-19): Additional gift letter provided. Received into personal account xxxxxx and backed out. Per guidelines, gifts can be used for closing and reserves.<br>Reviewer Comment (2025-08-14): Not asking for the source, the Gift Letters are missing from the file, which is required. | 08/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843176 | xxxxxx | 34172355 | xxxxxx | 08/11/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $5,000.00 is less than Cash From Borrower $101,609.20. | $120,000 in unsourced funds excluded |  | Reviewer Comment (2025-08-19): Additional gift letter provided. Received into personal account xxxxxx and backed out. Per guidelines, gifts can be used for closing and reserves.<br>Reviewer Comment (2025-08-14): Not asking for the source, the Gift Letters are missing from the file, which is required. | 08/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843183 | xxxxxx | 34091337 | xxxxxx | 04/22/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Proposed insured amount not listed, just a proposed loan amount. |  | Reviewer Comment (2025-04-24): Cleared | 04/24/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843186 | xxxxxx | 34262346 | xxxxxx | 08/06/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property appears to be situated between a xxxxxx and a used xxxxxx (significant commercial use in the immediate xxxxxx). The photos of the comparable sales do not appear to include similar characteristics and significant adjustments for the same is not apparent. Please provide commentary from the appraiser and comparable sales with similar characteristics to provide additional support for the appraised value. |  | Reviewer Comment (2025-08-15): cleared with appraiser commentary. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843195 | xxxxxx | 34262348 | xxxxxx | 08/06/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rent is paid to a private party/landlord/individual. Provide a copy of the lease and 12 months of cancelled checks (front and back) or bank statement. Required for verification of timely payments. |  | Reviewer Comment (2025-08-15): cleared<br>Reviewer Comment (2025-08-11): Lease is also required. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843195 | xxxxxx | 34262349 | xxxxxx | 08/06/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Copy provided is an estimate. |  | Reviewer Comment (2025-08-11): cleared with final HUD | 08/11/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843198 | xxxxxx | 34262339 | xxxxxx | 07/30/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Address neds to match the Note. Missing xxxxxx from the address on both the CDA and the 1025. |  | Reviewer Comment (2025-08-15): cleared with cda | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843224 | xxxxxx | 34262328 | xxxxxx | 07/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The settlement statement provided is an estimate. Please provide final signed/stamped settlement statement. |  | Reviewer Comment (2025-08-15): cleared with hud. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843239 | xxxxxx | 34232041 | xxxxxx | 07/22/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The file is missing the final HUD-1. |  | Reviewer Comment (2025-08-07): Cleared with HUD.<br>Reviewer Comment (2025-07-30): Final Closing Statement provided is not signed or stamped true and certified. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843239 | xxxxxx | 34232042 | xxxxxx | 07/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow the use of a vacant ADU xxxxxx form 1007 market rent of $1,600 per month xxxxxx program requirement xxxxxx form 1007 for ADU, and the file must include a copy of the current lease agreement with 2 months proof of current receipt for refinance transaction. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-22): Waived with compensating factors per lender exception approval at origination. |  |  | 07/22/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843239 | xxxxxx | 34232043 | xxxxxx | 07/22/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-07-30): cleared | 07/30/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843239 | xxxxxx | 34232044 | xxxxxx | 07/22/2025 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx | Spousal Consent form is missing from the file. |  | Reviewer Comment (2025-07-30): Cleared. Per lenders Credit Memo, the spousal consent is not required in the state of xxxxxx. | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843270 | xxxxxx | 34091486 | xxxxxx | 07/07/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final and signed HUD/CD, Closing statement is missing |  | Reviewer Comment (2025-07-10): Received | 07/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843316 | xxxxxx | 34232075 | xxxxxx | 07/29/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  | Reviewer Comment (2025-08-04): Final closing statement received | 08/04/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843321 | xxxxxx | 34232055 | xxxxxx | 07/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the final HUD-1. Copy in file is an estimate. |  | Reviewer Comment (2025-08-04): Final settlement statement received | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843321 | xxxxxx | 34232056 | xxxxxx | 07/29/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Non-Owner Occupancy Declaration is incomplete as Section 4A is missing the principal residence address. |  | Reviewer Comment (2025-08-04): Received | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843321 | xxxxxx | 34232058 | xxxxxx | 07/29/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $28,628.67 is less than Cash From Borrower $48,954.18. | Borrower is short cash to close. Unable to verify source or receipt of gift funds. |  | Reviewer Comment (2025-08-04): Received evidence of wire to settlement agent<br>Reviewer Comment (2025-08-04): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Documented qualifying Assets for Closing of $28,628.67 is less than Cash From Borrower $50,588.49. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843321 | xxxxxx | 34232059 | xxxxxx | 07/29/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. | Borrower is short cash to close. Unable to verify source or receipt of gift funds. |  | Reviewer Comment (2025-08-04): Evidence of direct wire to settlement agent received for gift funds, resulting in sufficient additional assets to cover reserve requirements. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843323 | xxxxxx | 34091505 | xxxxxx | 07/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  | Reviewer Comment (2025-07-22): Received | 07/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843373 | xxxxxx | 34160239 | xxxxxx | 07/29/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Provided Closing Statement is estimated and not the final. |  | Reviewer Comment (2025-08-01): Cleared with final HUD. | 08/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843374 | xxxxxx | 34160249 | xxxxxx | 07/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception request to allow subject with 2 ADU's vs program requirement multiple ADU's are not permitted but can be reviewed on a case-by-case basis. Comp Factors: 1. FICO 40+ points over minimum matrix tier. 2. LTV is 10% or more under max allowed. 3. CDA supports value with no variances. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-30): Client elects to waive with compensating factors. |  |  | 07/30/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843374 | xxxxxx | 34160250 | xxxxxx | 07/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception request to allow to use subject market rent for the 2 ADU's from xxxxxx Form 1007 only due to vacant vs program requirement market rent for the ADU should be documented on xxxxxx Form 1007 and the file must include a copy of the current lease agreement with 2 month's rent. Comp Factors: 1. FICO 40+ points over minimum matrix tier. 2. LTV is 10% or more under max allowed. 3. CDA supports value with no variances. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-30): Client elects to waive with compensating factors. |  |  | 07/30/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843419 | xxxxxx | 34062162 | xxxxxx | 08/01/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-08-01): Client elects to waive |  |  | 08/01/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843419 | xxxxxx | 34062164 | xxxxxx | 08/01/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-08-05): Received Title Supplement report with Policy coverage amount. Exception cleared. | 08/05/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843419 | xxxxxx | 34121112 | xxxxxx | 08/01/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | 12 month Bank statement loan. The business bank account was changed from xxxxxx xxxxxx to xxxxxx xxxxxx. However there is no LOX for the change in business bank account in file. |  | Reviewer Comment (2025-08-05): Received Letter of Explanation from borrower for business bank account changed from xxxxxx to xxxxxx. Exception cleared. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843419 | xxxxxx | 34121168 | xxxxxx | 08/01/2025 | 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 xxxxxx) | 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. |  |  | Reviewer Comment (2025-08-01): Client elects to waive |  |  | 08/01/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 843432 | xxxxxx | 34270197 | xxxxxx | 08/26/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-08-28): Received Approval. Exception cleared. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843432 | xxxxxx | 34270535 | xxxxxx | 08/26/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx HPML Threshold Test Compliant | xxxxxx Higher-Priced Mortgage Loan: APR on subject loan of 10.59855% or Final Disclosure APR of 10.71900% is equal to or greater than the threshold of APOR 6.75% + 3.5%, or 10.25000% Compliant Higher Priced Loan. |  |  | Reviewer Comment (2025-08-26): Client elects to waive |  |  | 08/26/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No obvious cure C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843432 | xxxxxx | 34272582 | xxxxxx | 08/26/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $272.00 exceeds tolerance of $133.00. Sufficient or excess cure was provided to the borrower at Closing. (7571) |  |  | Reviewer Comment (2025-08-22): Sufficient Cure Provided At Closing |  | 08/22/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843443 | xxxxxx | 34161005 | xxxxxx | 08/12/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Unable to determine qualification without this information. | Borrower: xxxxxx | Per the 1003, dec page 5D, the borrower marked yes to they will be applying for a mortgage loan on another property. Provide evidence of PITIA for this property along with the updated 1003/1008. |  | Reviewer Comment (2025-08-28): Received corrected 1003. Exception cleared.<br>Reviewer Comment (2025-08-22): Received 1003 appears to be an alerted document, only declaration section was changed rest all pages of 1003 is of the final 1003. Provide all pages of 1003 with correct declaration section. Exception remains.<br>Reviewer Comment (2025-08-18): Received LOX from borrower reflects borrower is not proceeding with the loan, therefore provided corrected 1003 with corrected declaration section and 1008. Exception remains.<br>Reviewer Comment (2025-08-14): Received LOX, however provide the Note document for the property located at xxxxxx, to verify borrower is not liable for mortgage payments. Exception remains. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843443 | xxxxxx | 34161092 | xxxxxx | 08/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Note for Senior lien not provided. |  | Reviewer Comment (2025-08-13): Received senior lien note document. exception cleared. | 08/13/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843443 | xxxxxx | 34161167 | xxxxxx | 08/12/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history for xxxxxx not reporting on credit report provide 12-months Verification of Mortgage form (VOM) completed by the creditor/service or Credit supplement or 12-months mortgage statements for the review period. |  | Reviewer Comment (2025-08-14): Received VOM and borrower's payment for the most recent 6-months. Exception cleared. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843443 | xxxxxx | 34161188 | xxxxxx | 08/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 13,086.36 on Final Closing Disclosure provided on xxxxxx are underdisclosed (Final xxxxxx) | Taxes and insurance monthly payment is xxxxxx or xxxxxx annually. |  | Reviewer Comment (2025-08-15): SitusAMC received Letter of explanation and Corrected Closing disclosure. |  | 08/15/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 843450 | xxxxxx | 34201152 | xxxxxx | 08/19/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $99.70 exceeds tolerance of $35.00 plus 10% or $38.50. Insufficient or no cure was provided to the borrower. xxxxxx | Cure nor valid COC provided |  | Reviewer Comment (2025-08-29): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check. |  | 08/29/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843450 | xxxxxx | 34201187 | xxxxxx | 08/19/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-08-26): Received Title Final. Exception cleared. | 08/26/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843450 | xxxxxx | 34201188 | xxxxxx | 08/19/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-08-26): Received Title Final. Exception cleared. | 08/26/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843454 | xxxxxx | 34021598 | xxxxxx | 07/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-08-04): Received updated Fraud report including the missing participant. Exception cleared.<br>Reviewer Comment (2025-08-01): Requested document was not received. Provide the document requested as per original comment. Exception remains. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843454 | xxxxxx | 34041687 | xxxxxx | 07/28/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $95,154.13 is less than Cash From Borrower $110,286.94. | Foreign accounts not transferred to a xxxxxx bank account or are not xxxxxx insured with xxxxxx branches can only be utilized for reserves. All accounts are foreign accounts. Funds to close wires added along with EMD already totaling $95,154.13. Borrower requires $110,286.94 cash to close per Final CD (Cash to close is calculated as funds to close + EMD + POCB + any adjustments/gifts/1031 on the Final CD). |  | Reviewer Comment (2025-08-02): Additional wire provided for $18,000 for funds to close<br>Reviewer Comment (2025-07-30): The same documents were provided that were in file at time of review. Please review the original condition. Foreign accounts not transferred to a xxxxxx bank account or are not xxxxxx insured with xxxxxx branches can only be utilized for reserves. All accounts are foreign accounts. Funds to close wires added along with EMD already totaling $95,154.13. Borrower requires $110,286.94 cash to close per Final CD (Cash to close is calculated as funds to close + EMD + POCB + any adjustments/gifts/1031 on the Final CD). | 08/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843541 | xxxxxx | 34147485 | xxxxxx | 07/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xxxxxx did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Interim xxxxxx) | Closing Disclosure estimated to be provided on xxxxxx did not disclose the actual Date Issued. as this is incomplete closing disclosure |  | Reviewer Comment (2025-08-03): After further review, exception cleared. | 08/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Good Faith Redisclosure C A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843541 | xxxxxx | 34147486 | xxxxxx | 07/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xxxxxx disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (Final xxxxxx) | Incomplete closing disclosure Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure |  | Reviewer Comment (2025-08-03): After further review, exception cleared. | 08/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843541 | xxxxxx | 34147487 | xxxxxx | 07/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation |  | Reviewer Comment (2025-08-03): After further review, exception cleared. | 08/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TRID timing exception, no remediation available. C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843541 | xxxxxx | 34147488 | xxxxxx | 07/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $700.00 exceeds tolerance of $610.00. Insufficient or no cure was provided to the borrower. (7506) | File does not contain a valid COC for this fee, cure provided at closing. |  | Reviewer Comment (2025-08-03): After further review, exception cleared. | 08/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843546 | xxxxxx | 34147495 | xxxxxx | 07/17/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement, Tax Verification | Missing verification of primary home PITIA, appears to be a new mortgage with xxxxxx. Please provide mortgage statement, closing disclosure, or note and T&I verifications. |  | Reviewer Comment (2025-07-18): Provided and cleared. | 07/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843546 | xxxxxx | 34147496 | xxxxxx | 07/17/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-08-04): Waived per client guidance. |  |  | 08/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843546 | xxxxxx | 34147497 | xxxxxx | 07/17/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. |  | Reviewer Comment (2025-07-21): Provided and cleared. | 07/21/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843546 | xxxxxx | 34147498 | xxxxxx | 07/17/2025 | Compliance | Compliance | State Compliance | State Late Charge | xxxxxx Late Charge Grace Period Testing | xxxxxx Late Charge: Note grace period of 5 days is less than the state minimum of 10 days. |  |  | Reviewer Comment (2025-08-04): Waived per client guidance. |  |  | 08/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843546 | xxxxxx | 34147499 | xxxxxx | 07/17/2025 | Compliance | Compliance | State Compliance | State Late Charge | xxxxxx Late Charge Percent and Amount Testing | xxxxxx Late Charge: Note late charge amount of $181.96 exceeds the state maximum of $100. |  |  | Reviewer Comment (2025-08-04): Waived per client guidance. |  |  | 08/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843546 | xxxxxx | 34147501 | xxxxxx | 07/17/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  | Reviewer Comment (2025-07-25): Waived per client guidance.<br>Reviewer Comment (2025-07-21): Exception is for right to receive appraisal disclosure within 3 days of application, Loan Estimate also acceptable (file missing all Loan Estimates). |  |  | 07/25/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843548 | xxxxxx | 34080508 | xxxxxx | 07/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for almost all funds came from Spouses account - refinance at xxxxxx, no hit in pricing, not considered gift funds. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-18): Client elects to waive and downgrade based on the following comp factors: <br> Borrower FICO 742<br> Guideline requirement FICO 680 |  |  | 07/18/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | B | B | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843548 | xxxxxx | 34080509 | xxxxxx | 07/21/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Appraisal report dated xxxxxx is missing evidence of receipt. |  | Reviewer Comment (2025-07-28): Provided and cleared. | 07/28/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | B | B | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843550 | xxxxxx | 34108513 | xxxxxx | 07/21/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:44028 xxxxxx) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  | Reviewer Comment (2025-07-28): Provided and cleared. | 07/28/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | B | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843550 | xxxxxx | 34108515 | xxxxxx | 07/21/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $312.63 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | No Valid change of circumstance provided for increase to Credit Report Fee. |  | Reviewer Comment (2025-07-17): Sufficient Cure Provided At Closing |  | 07/17/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Final CD evidences Cure A | B | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843550 | xxxxxx | 34108516 | xxxxxx | 07/21/2025 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Assets bank statements not provided for xxxxxx ending with: #xxxxxx, xxxxxx |  | Reviewer Comment (2025-07-29): After further review, exception cleared. | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | B | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843554 | xxxxxx | 34062339 | xxxxxx | 07/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested- Lease expire within 3 months. Exception to use LOE confirming leases will be renewed.<br> Compensatory- LTV- 35%, FICO- 714 and 6-months reserves. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-07-18): Client elects to waive with compensating factors: <br> Borrower has 6 months reserves, none required<br> Borrower has LTV of 32.60870 <br> Guideline requirement is 60% |  |  | 07/18/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843555 | xxxxxx | 34147490 | xxxxxx | 07/17/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-07-22): Waived |  |  | 07/22/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843555 | xxxxxx | 34147491 | xxxxxx | 07/17/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Only appraisal notice in file dated xxxxxx prior to xxxxxx report date. |  | Reviewer Comment (2025-07-22): After further review exception cleared | 07/22/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843555 | xxxxxx | 34147493 | xxxxxx | 07/17/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Evidence of earlier receipt missing from file. |  | Reviewer Comment (2025-07-22): After further review exception cleared | 07/22/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843559 | xxxxxx | 34198211 | xxxxxx | 07/29/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-08-08): FTP provided and cleared. | 08/08/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843559 | xxxxxx | 34198212 | xxxxxx | 07/29/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-08-08): FTP provided and cleared. | 08/08/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843559 | xxxxxx | 34198213 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | RESPA | Missing Final HUD-1 RESPA Investment Occupancy No Business Purpose Cert (Not subject to APL) | RESPA: Missing Final HUD-1 Title Co. Closing Statement used to source fees. Investment occupancy witrh no business purpose cert in file. Loan is not subject to APL tests in scope requiring points and fees. |  |  | Reviewer Comment (2025-08-04): Waived per client guidance. |  |  | 08/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843559 | xxxxxx | 34198214 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of xxxxxx which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx . Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Missing signed initial 1003, UTD application date. |  | Reviewer Comment (2025-08-04): Waived per client guidance. |  |  | 08/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843559 | xxxxxx | 34198215 | xxxxxx | 07/29/2025 | Compliance | Compliance | State Compliance | State Late Charge | xxxxxx Non Primary Residence Late Charge Grace Period Testing | xxxxxx Late Charge: Note grace period of 5 days is less than the state minimum of 10 days. |  |  | Reviewer Comment (2025-08-04): Waived per client guidance. |  |  | 08/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843559 | xxxxxx | 34198217 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  | Reviewer Comment (2025-08-08): Waived per client guidance.<br>Reviewer Comment (2025-08-04): Comment updated, exception for right to receive appraisal disclosure within 3 business days of application. |  |  | 08/08/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843563 | xxxxxx | 34147514 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Verification of appraisal was delivered to borrower not provided in file. |  | Reviewer Comment (2025-08-01): Provided and cleared. | 08/01/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | B A | B | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843564 | xxxxxx | 34147512 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) | Evidence of earlier receipt missing from file, initial LE e-signed xxxxxx . |  | Reviewer Comment (2025-08-04): SitusAMC received summary for LE sent via mail. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843568 | xxxxxx | 34201325 | xxxxxx | 07/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in the file. |  | Reviewer Comment (2025-08-12): Cleared.<br>Reviewer Comment (2025-08-08): The Fraud Report doesn't have the borrower's name, please provide the first page, which usually has it.<br>Reviewer Comment (2025-08-06): Ive searched the file and we dont have the report, please upload under trailing docs | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843570 | xxxxxx | 34013163 | xxxxxx | 07/21/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $156.00 exceeds tolerance of $127.00 plus 10% or $139.70. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx | Ten Percent Fee was last disclosed as $127 on Loan Estimate but disclosed as $139.70 on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  | Reviewer Comment (2025-07-18): Sufficient Cure Provided At Closing |  | 07/18/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843573 | xxxxxx | 34100121 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | Disbursement date is the same as the RTC expiration date. There is a final settlement statement in file with a later disbursement date, however it is not signed stamped certified. |  | Reviewer Comment (2025-08-15): The Final Settlement Statement was provided for evidence of disbursement date of xxxxxx <br>Reviewer Comment (2025-08-11): The Final Settlement Statement signed/stamped by the Title Agent is required for evidence of the disbursement date. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843573 | xxxxxx | 34100231 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $30,812.33 exceeds tolerance of $15,781.00. Insufficient or no cure was provided to the borrower. (7200) | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $30,812.33 exceeds tolerance of $15,781.00. No COC and Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-08-12): SitusAMC Received Valid COC dated xxxxxx | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843573 | xxxxxx | 34100232 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $99.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73133) | The Tax Service Fee (Life of Loan) was not disclosed on Initial Loan Estimate and was later disclosed on the Closing Disclosure dated xxxxxx as $99.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-08-12): SitusAMC Received Valid COC dated xxxxxx | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843573 | xxxxxx | 34100276 | xxxxxx | 08/05/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.01 is less than Guideline PITIA months reserves of 3.00. |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-08-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-08-11): The ending balance of $90,917.64 is from the March 24, 2025, statement. As of May 22, 2025, the balance is $7,653.91. No additional assets were provided. |  |  | 08/17/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843573 | xxxxxx | 34100277 | xxxxxx | 08/05/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 621 is less than Guideline representative FICO score of 660. | Investor Exception is provided in file. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-08-15): The program changed, and the minimum FICO is now 620.<br>Reviewer Comment (2025-08-05): Client elects to waive with verified compensation factors | 08/15/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843573 | xxxxxx | 34100282 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves and income docs |  | Reviewer Comment (2025-08-17): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-08-11): The ending balance of $90,917.64 is from the March 24, 2025, statement. As of May 22, 2025, the balance is $7,653.91. No additional assets were provided. | 08/17/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843573 | xxxxxx | 34100283 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves. |  | Reviewer Comment (2025-08-17): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-08-11): The ending balance of $90,917.64 is from the March 24, 2025, statement. As of May 22, 2025, the balance is $7,653.91. No additional assets were provided. | 08/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843573 | xxxxxx | 34100286 | xxxxxx | 08/05/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Provide missing bank statement pages for the bank xxxxxx as the funds are considered for the qualification. |  | Reviewer Comment (2025-08-15): All pages of the May bank statement were provided.<br>Reviewer Comment (2025-08-11): Please provide all pages of the May 22, 2025, bank statement. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843573 | xxxxxx | 34144089 | xxxxxx | 08/05/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage statement or Note for the review period to verify monthly payment amount for lien not on credit for subject property. |  | Reviewer Comment (2025-08-14): Received signed dated Note. Exception cleared.<br>Reviewer Comment (2025-08-11): Received Note is not signed. Exception remains. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843573 | xxxxxx | 34144319 | xxxxxx | 08/05/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Account Statements | 4 months alimony payments received and guidelines require 6 months. |  | Reviewer Comment (2025-08-12): Evidence of receipt of 6 alimony payments was received.<br>Reviewer Comment (2025-08-11): Received 5 months alimony payments received. Also received incomplete March 2025 bank statement wherein deposit of alimony is missing. Provide full March month 2025 bank statement. Exception remains. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843573 | xxxxxx | 34144369 | xxxxxx | 08/05/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 49.88925% exceeds Guideline total debt ratio of 43.00000%. | Borrower does not meet the minimum 12 months reserves for a 55% DTI. |  | Reviewer Comment (2025-08-11): The loan was re-reviewed to tier 2 criteria and the max DTI is 50% | 08/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843573 | xxxxxx | 34144372 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 49.88925% significantly exceeds the guideline maximum of 43.00%. (DTI Exception requires compelling compensating factors to consider regrading to xxxxxx.) | Borrower does not meet the minimum 12 months reserves for a 55% DTI. |  | Reviewer Comment (2025-08-13): The loan program has changed and the DTI is now a maximum of 50%. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843573 | xxxxxx | 34181646 | xxxxxx | 08/11/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of xxxxxx is greater than Guideline maximum loan amount of $1,000,000.00. |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-08-11): The client elects to waive. |  |  | 08/11/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843581 | xxxxxx | 34113767 | xxxxxx | 08/06/2025 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy number is missing from evidence of insurance. |  | The provided HOI policy in file does not reflect the policy number. Provide an updated HOI policy reflecting the policy number. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-08-06): Client elects to waive |  |  | 08/06/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843581 | xxxxxx | 34113810 | xxxxxx | 08/06/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Other<br> Other<br> Other | As per the provided Final 1003 in file, the following properties were recently purchased. Provide a Final CD or First Payment letter to determine the PITIA payments for the following properties. |  | Reviewer Comment (2025-08-06): Received Final Closing Disclosure for properties xxxxxx & First Payment Letter for property xxxxxx. Exception cleared. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843585 | xxxxxx | 34113613 | xxxxxx | 08/06/2025 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy number is missing from evidence of insurance. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-08-06): Client elects to waive |  |  | 08/06/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843585 | xxxxxx | 34113660 | xxxxxx | 08/06/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | The proof of business ownership percentage for the business 'xxxxxx' is not provided in the file. Provide supporting documents to verify the business ownership percentage. |  | Reviewer Comment (2025-08-07): Received CPA letter to verify ownership percentage of business. Exception cleared. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843585 | xxxxxx | 34113683 | xxxxxx | 08/06/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx , Borrower: xxxxxx Proof of Ownership<br> Proof of Ownership | The proof of business ownership percentage for the business 'xxxxxx' is not provided in the file. Provide supporting documents to verify the business ownership percentage. |  | Reviewer Comment (2025-08-07): Received CPA letter to verify ownership percentage of business. Exception cleared. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843585 | xxxxxx | 34113720 | xxxxxx | 08/06/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Other<br> Other<br> Other | As per the provided Final 1003 in file, the following properties were recently purchased. Provide a Final CD or First Payment letter to determine the PITIA payments. |  | Reviewer Comment (2025-08-06): Received Final Closing Disclosure for properties xxxxxx & First payment Letter for property xxxxxx. Exception cleared. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843639 | xxxxxx | 34172702 | xxxxxx | 08/17/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  |  | Reviewer Comment (2025-08-08): Sufficient Cure Provided At Closing |  | 08/08/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 843639 | xxxxxx | 34172706 | xxxxxx | 08/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Missing the initial Closing Disclosure. Only the final is in the file. |  | Reviewer Comment (2025-08-21): SitusAMC received initial CD. | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843639 | xxxxxx | 34172713 | xxxxxx | 08/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-08-21): Received Undisclosed Debt Notification Report. Exception Cleared. | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843684 | xxxxxx | 34232127 | xxxxxx | 08/04/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | File is missing fully executed deed signed at closing, transferring ownership from the LLC to our individual borrower. |  | Reviewer Comment (2025-08-07): Cleared with deed. | 08/07/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843697 | xxxxxx | 34232229 | xxxxxx | 08/04/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing REO statements, Hazard Insurance and Property Tax verifications for xxxxxx. |  | Reviewer Comment (2025-08-08): Cleared with 1st pmt letter. | 08/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 843699 | xxxxxx | 34160162 | xxxxxx | 07/24/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.14069% or Final Disclosure APR of 9.21700% is equal to or greater than the threshold of APOR 6.88% + 1.5%, or 8.38000%. Non-Compliant Higher Priced Mortgage Loan. | Provide evidence of appraisal delivery to the borrower within 3 business days of the Note date. |  | Reviewer Comment (2025-07-29): clear. Evidence of appraisal delivery provided | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 843699 | xxxxxx | 34160163 | xxxxxx | 07/24/2025 | Compliance | Compliance | Federal Compliance | Compliance | Federal HPML Appraisal - xxxxxx Not Exempt | TILA HPML Appraisal Rule (Dodd-Frank 2014): ATR Exempt xxxxxx loan does not qualify for exemption from Federal HPML Appraisal requirements under 1026.35(c)(2) due to loan failing one or more of the QM requirements under 1026.43(c)(2)(i)-(iii) or (vi) (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. | Provide evidence of appraisal delivery to the borrower within 3 business days of the Note date. |  | Reviewer Comment (2025-07-29): clear. Evidence of appraisal delivery provided | 07/29/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 843699 | xxxxxx | 34160164 | xxxxxx | 07/24/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Provide evidence of appraisal delivery to the borrower within 3 business days of the Note date. |  | Reviewer Comment (2025-07-29): clear. Evidence of appraisal delivery provided | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 843700 | xxxxxx | 34091561 | xxxxxx | 06/10/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Charge-offs / Balance: 8788.00 | Lender approved exception at origination to allow the charge-off of $8788 to remain open when the guidelines require the charge-off to be paid in full prior to at closing. Compensating factors noted: DTI is 10% or more under max allowed; Residual income over $3,000; Borrower S/E with current employer for over 5 years. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2025-06-10): Waived with compensating factors per lender exception approval at origination. |  |  | 06/10/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B | B | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 843700 | xxxxxx | 34091564 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | Compliance | Federal HPML Appraisal - xxxxxx Not Exempt | TILA HPML Appraisal Rule (Dodd-Frank 2014): ATR Exempt xxxxxx loan does not qualify for exemption from Federal HPML Appraisal requirements under 1026.35(c)(2) due to loan failing one or more of the QM requirements under 1026.43(c)(2)(i)-(iii) or (vi) (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. |  |  | Reviewer Comment (2025-07-10): Client elects to waive. |  |  | 07/10/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B | B | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 843700 | xxxxxx | 34091565 | xxxxxx | 06/10/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-07-10): Client elects to waive |  |  | 07/10/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B | B | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 843722 | xxxxxx | 34091568 | xxxxxx | 06/10/2025 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | Date Issued: xxxxxx / Relative Sequence Num: 1 Issue date: xxxxxx; Received date: xxxxxx; Signed date: xxxxxx | The final Closing Disclosure with a Date Issued of xxxxxx was dated by the borrower with the wrong date of xxxxxx . |  |  |  |  | 06/18/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | B | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 843722 | xxxxxx | 34091570 | xxxxxx | 07/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx R submitted with a loan originator designation of other than ATR Exempt. xxxxxx R testing performed to determine if an exempt loan would otherwise meet xxxxxx R criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2025-07-22): Waived per client direction. |  |  | 07/22/2025 | 2 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | B | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 843725 | xxxxxx | 34091556 | xxxxxx | 06/09/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Fraud Report missing in file. |  | Reviewer Comment (2025-06-13): clear | 06/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 843725 | xxxxxx | 34091559 | xxxxxx | 07/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx R submitted with a loan originator designation of other than ATR Exempt. xxxxxx R testing performed to determine if an exempt loan would otherwise meet xxxxxx R criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2025-07-22): Waived per client direction. |  |  | 07/22/2025 | 2 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 843799 | xxxxxx | 34108090 | xxxxxx | 07/31/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx , Borrower: xxxxxx Business License<br> Business License | Business license for the past 2 years must be provided. If nature of business does not<br> require government issued license, borrower's letter is required to explain the details of<br> business nature |  | Reviewer Comment (2025-08-07): Received LOX for nature of business does not require business license. Exception cleared.<br>Reviewer Comment (2025-08-04): The DL does not clear this condition. The guidelines either require a business license for 2 years and if nature of business does not require a license, letter is required to explain business nature as both borrowers are SE. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843799 | xxxxxx | 34108106 | xxxxxx | 07/31/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Business license for the past 2 years must be provided. If nature of business does not<br> require government issued license, borrower's letter is required to explain the details of<br> business nature |  | Reviewer Comment (2025-08-07): LOE provided coupled with driver's license / business DL which are dated prior to closing.<br>Reviewer Comment (2025-08-04): The DL does not clear this condition. The guidelines either require a business license for 2 years and if nature of business does not require a license, letter is required to explain business nature as both borrowers are SE. | 08/07/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843799 | xxxxxx | 34108107 | xxxxxx | 07/31/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Business license for the past 2 years must be provided. If nature of business does not<br> require government issued license, borrower's letter is required to explain the details of<br> business nature |  | Reviewer Comment (2025-08-07): LOE provided coupled with driver's license / business DL which are dated prior to closing.<br>Reviewer Comment (2025-08-04): The DL does not clear this condition. The guidelines either require a business license for 2 years and if nature of business does not require a license, letter is required to explain business nature as both borrowers are SE. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843809 | xxxxxx | 34097018 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $151.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-07-30): Sufficient Cure Provided At Closing |  | 07/30/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 843809 | xxxxxx | 34107099 | xxxxxx | 08/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor's for Seller, xxxxxx, were not included in the report. |  | Reviewer Comment (2025-08-12): Received updated Fraud Report. Fraud and OFAC search run on the sellers. Exception cleared. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843809 | xxxxxx | 34142908 | xxxxxx | 08/05/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Reflects IASOS vs ISAOA |  | Reviewer Comment (2025-08-13): An updated HOI policy with ISAOA/ATIMA in the mortgagee was provided. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843811 | xxxxxx | 34133582 | xxxxxx | 08/07/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). The disclosed Total of Payments in the amount of $1,420,510.07 is under disclosed by $175.00 compared to the calculated total of payments of $1,420,685.07 which exceeds the $35.00 threshold. (Final xxxxxx) | Total of Payments shown on the final CD is xxxxxx and the calculated total of payments is xxxxxx. Variance of $175.00. This was corrected on the Post Close CD issued on xxxxxx . |  | Reviewer Comment (2025-08-26): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-08-14): SitusAMC received LOE, copy fo cure refund for TOP underdisclosure and proof of mailing. Missing copy of the Corrected CD reflecting cure and proof of reopening of rescission to all consumers as this is a material disclosure violation on a rescindable transaction. |  | 08/26/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 843815 | xxxxxx | 34136560 | xxxxxx | 08/08/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOM is required for the property at "xxxxxx" when mortgage payment history is not reflected on the credit report:<br>• Other acceptable mortgage payment proof in lieu of VOM (must clearly indicate no mortgage lates): <br> o 12 months cancel checks, ACH payment, bank transfer/wire, electronic payment<br> o 12 months mortgage statements for the review period<br> o 12 months loan payment history from the creditor/servicer + proof of borrower's payment <br> for the most recent 6 months |  | Reviewer Comment (2025-08-26): Received 6 Months proof of borrower's payment and 12 months pay history. Exception cleared.<br>Reviewer Comment (2025-08-25): Received pay history for property located at xxxxxx Provide proof of borrower's payment for the most recent 6 months. Since current housing history does not cover the 12 months requirement, also, provide previous housing for the mortgage lien in amount of xxxxxx dated xxxxxx . Exception remains.<br>Reviewer Comment (2025-08-15): Received Fax Request does not list number of lates in last 12 months, also received Mortgage Statement only verifies payments from xxxxxx through xxxxxx 25, that is only 8 months. Exception remains. | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843815 | xxxxxx | 34136583 | xxxxxx | 08/08/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide a copy of Final CD or First payment letter to determine the PITIA of the property located at "xxxxxx" as there are no supporting documents in file. |  | Reviewer Comment (2025-08-15): The initial LE for the projected cost was provided. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843818 | xxxxxx | 34136675 | xxxxxx | 08/08/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-08-12): Received Title Supplement reflecting sufficient title policy coverage. Exception cleared. | 08/12/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843818 | xxxxxx | 34136747 | xxxxxx | 08/08/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Provided flood certificate subject property address reflects as xxxxxx however note document address reflect xxxxxx Provide updated flood certificate reflecting correct subject property address as per note document. |  | Reviewer Comment (2025-08-15): An updated Flood Cert was provided.<br>Reviewer Comment (2025-08-12): Received updated Flood Certificate, however, the provided address reflects as xxxxxx vs Note address xxxxxx Provide updated Flood Certificate to reflect and match the Note address. Exception remains. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843890 | xxxxxx | 34142923 | xxxxxx | 08/08/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx 1040 (2024), 1120S, P&L Statement, Third Party Verification | 1) Only the signed pages of the 2024 1120S and 1040's were provided. Provide all pages of the returns. Income to be re-calculated upon receipt. 2) Provide evidence of third party verification of SE dated within 90 days of consummation 3) Provide the signed and dated YTD P&L. |  | Reviewer Comment (2025-08-13): Received 2024 1120S and 1040, third party verification of SE dated within 90 days of consummation, YTD P&L. Exception cleared. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843890 | xxxxxx | 34142932 | xxxxxx | 08/08/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-08-13): Received E-Sign Consent. Exception cleared. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843890 | xxxxxx | 34143009 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Due to missing income documents |  | Reviewer Comment (2025-08-13): The missing income documentation was provided. Loan is Non-QM. | 08/13/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843890 | xxxxxx | 34143010 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - S-Corp Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status due to missing Tax Return/Transcript for the most recent year, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (xxxxxx/S-Corp) | Provide evidence of third party verification of SE dated within 90 days of consummation |  | Reviewer Comment (2025-08-13): The missing income documentation was provided. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843890 | xxxxxx | 34143011 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxxxx/25% Vacancy Method) | Schedule E is missing. If a newly rented, the executed lease agreement is required. |  | Reviewer Comment (2025-08-13): The missing income documentation was provided. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843890 | xxxxxx | 34143012 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxxxx xxxxxx % Vacancy Method) | Schedule E is missing. If a newly rented, the executed lease agreement is required. |  | Reviewer Comment (2025-08-13): The missing income documentation was provided. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843890 | xxxxxx | 34143013 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to missing income documents |  | Reviewer Comment (2025-08-13): The missing income documentation was provided. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843890 | xxxxxx | 34143014 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Due to missing income documents |  | Reviewer Comment (2025-08-13): The missing income documentation was provided. | 08/13/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843890 | xxxxxx | 34143692 | xxxxxx | 08/08/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Schedule E Only | Schedule E is missing. If a newly rented, the executed lease agreement is required. |  | Reviewer Comment (2025-08-13): The Schedule E was provided. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843890 | xxxxxx | 34143700 | xxxxxx | 08/08/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Provide the statement to verify taxes and insurance are escrowed. If not, provide evidence of taxes and insurance. |  | Reviewer Comment (2025-08-15): Received Mortgage Statement reflecting taxes and insurance escrowed. Exception cleared. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843890 | xxxxxx | 34168693 | xxxxxx | 08/08/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The mortgage history for xxxxxx reflects lien was taken out on xxxxxx , however only 1 month is reporting. Provide updated history with the additional 11 months. |  | Reviewer Comment (2025-08-13): Received LOX and credit report reflecting additional months of mortgage history. Exception cleared. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843890 | xxxxxx | 34168716 | xxxxxx | 08/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final Title Policy: Unit number is missing from address. |  | Reviewer Comment (2025-08-13): A corrected TPOL was provided. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843890 | xxxxxx | 34169004 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $7,840.00 exceeds tolerance of $7,200.00. Insufficient or no cure was provided to the borrower. (7200) | A decrease in loan amount does not increase discount point fees |  | Reviewer Comment (2025-08-19): SitusAMC received valid COC dated xxxxxx  | 08/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843942 | xxxxxx | 34182455 | xxxxxx | 08/15/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-08-21): Received UDM report. Exception cleared. | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843942 | xxxxxx | 34182657 | xxxxxx | 08/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. |  | Reviewer Comment (2025-08-22): SitusAMC received signed LE received 4 business days prior to the consummation.<br>Reviewer Comment (2025-08-21): SitusAMC received certificate of completion document indicates that the application disclosure (update) (2). However, unable to determine that a what documents are sent and received/viewed by borrower. There is no document mentioned in this tracking and unable to determine what document(s) were created, consented, reviewed based on this documentation. Audit trail does not state the type of document or issue date of that document for any Loan Estimates. The details only reference Envelope #'s and there is no reference for a Loan Estimate. Please provide acceptable proof of receipt within timing requirements for xxxxxx LE. | 08/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843942 | xxxxxx | 34182658 | xxxxxx | 08/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. |  | Reviewer Comment (2025-08-22): SitusAMC received signed LE received 4 business days prior to the consummation.<br>Reviewer Comment (2025-08-21): SitusAMC received certificate of completion document indicates that the application disclosure (update) (2). However, unable to determine that a what documents are sent and received/viewed by borrower. There is no document mentioned in this tracking and unable to determine what document(s) were created, consented, reviewed based on this documentation. Audit trail does not state the type of document or issue date of that document for any Loan Estimates. The details only reference Envelope #'s and there is no reference for a Loan Estimate. Please provide acceptable proof of receipt within timing requirements for xxxxxx LE. | 08/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843942 | xxxxxx | 34182680 | xxxxxx | 08/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Verification of Self employment Business document has been provided; however, the existence of the borrower's business confirmed with of the following third-party sources(s) box is not checked. Provide updated document with one of the third party source box checked. |  | Reviewer Comment (2025-08-20): Updated document provided | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843942 | xxxxxx | 34267346 | xxxxxx | 08/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing Test | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | Per TRID Grid 4.0, Row 11, xxxxxx exception cited if: 1. multiple revised LE's are provided and an interim revised LE (not the final LE) receipt date is received less than 4 business days prior to consummation but the final revised LE is received at least 4 business days prior to consummation. Final xxxxxx LE was received timely, per electronic signature on document D0281. The initial xxxxxx LE (Doc ID D0309) does not show a receipt date. Mailbox rule would indicate the receipt date for the initial LE would be xxxxxx . |  | Reviewer Comment (2025-08-26): SitusAMC received proof of earlier electronic receipt. | 08/26/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843972 | xxxxxx | 34182715 | xxxxxx | 08/15/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing from the loan file. Need to verify that all parties to the transaction are included in the Fraud and OFAC searches. Additional conditions may apply. |  | Reviewer Comment (2025-08-20): Received full fraud report. Fraud and OFAC search run on the all parties to the transaction are included in the Fraud and OFAC searches. Exception cleared. | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844063 | xxxxxx | 34113156 | xxxxxx | 08/05/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-08-15): A BPO was received. | 08/15/2025 |  |  | 1 | D A B | D A C | xxxxxx | xxxxxx | Primary | Purchase | D B A | B | B D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844063 | xxxxxx | 34120144 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-08-05): Client elects to waive |  |  | 08/05/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B A | B | B D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844063 | xxxxxx | 34169534 | xxxxxx | 08/08/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | xxxxxx / Drive-by BPO - Standard Form - 5 Days |  | Reviewer Comment (2025-08-15): The BPO was received.<br>Reviewer Comment (2025-08-14): Valuation Received - xxxxxx  | 08/15/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | D B A | B | B D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844063 | xxxxxx | 34224483 | xxxxxx | 08/15/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note date: xxxxxx; Lien Position: 1 |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Reviewer Comment (2025-08-15): The client elects to waive. |  |  | 08/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B A | B | B D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844064 | xxxxxx | 34109675 | xxxxxx | 08/05/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-08-13): A BPO was received. | 08/13/2025 |  |  | 1 | D A B | D A C | xxxxxx | xxxxxx | Primary | Purchase | D B A | B | B D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844064 | xxxxxx | 34120574 | xxxxxx | 08/05/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-08-05): Client elects to waive |  |  | 08/05/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B A | B | B D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844064 | xxxxxx | 34169536 | xxxxxx | 08/08/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | xxxxxx-by BPO - Standard Form - 5 Days |  | Reviewer Comment (2025-08-13): The BPO was received.<br>Reviewer Comment (2025-08-12): Valuation Received - xxxxxx  | 08/13/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | D B A | B | B D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844064 | xxxxxx | 34197887 | xxxxxx | 08/13/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note date: xxxxxx; Lien Position: 1 |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Reviewer Comment (2025-08-13): The client elects to waive. |  |  | 08/13/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B A | B | B D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844084 | xxxxxx | 34161447 | xxxxxx | 08/12/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Large deposits were not sourced and/or letter of explanation was not provided. Deposit of $12,450 in xxxxxx. |  | Reviewer Comment (2025-08-28): Received cancelled with source. Exception cleared. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844084 | xxxxxx | 34161569 | xxxxxx | 08/12/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | The homeowner's insurance declarations page in the file verified an effective date of xxxxxx which is after the consummation date of xxxxxx . Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. |  | Reviewer Comment (2025-08-21): Updated HOI provided | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844084 | xxxxxx | 34161587 | xxxxxx | 08/12/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $363.50 exceeds tolerance of $182.00 plus 10% or $200.20. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2025-08-07): Sufficient Cure Provided At Closing |  | 08/07/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844084 | xxxxxx | 34161627 | xxxxxx | 08/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender xxxxxx ID, Contact Name, Contact xxxxxx ID). (Final xxxxxx) | The Contact Information section of the final CD did not disclose the Lender's Contact or Contact's xxxxxx ID. Provide a post-close CD correcting the section and a copy of the letter of explanation to the borrower disclosing the changes made or an attestation from the lender stating that no individual contact was used on the transaction. |  | Reviewer Comment (2025-08-19): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 08/19/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844084 | xxxxxx | 34163459 | xxxxxx | 08/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, and settlement agent, xxxxxx, were not included in the report. |  | Reviewer Comment (2025-08-28): Received OFAC and LDP search for seller and settlement agent. Exception cleared.<br>Reviewer Comment (2025-08-18): Received GSA for seller and Settlement agent, however provide OFAC/HUD/LDP search or updated fraud report, Fraud and OFAC search ran on seller, xxxxxx, and settlement agent, xxxxxx. Exception remains. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844197 | xxxxxx | 34173859 | xxxxxx | 08/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2902873) | Appears to be the Insurance escrows. Collected $150.00 mo, actual $167.75 mo. |  | Reviewer Comment (2025-08-15): SitusAMC received xxxxxx CD | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | C | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844197 | xxxxxx | 34173871 | xxxxxx | 08/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Final xxxxxx | File is missing Seller CD |  | Reviewer Comment (2025-08-15): Situsamc Received Final CD and Seller CD. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | C | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844197 | xxxxxx | 34173872 | xxxxxx | 08/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xxxxxx disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (Final xxxxxx) | CD in file disclosed xxxxxx. Note reflects xxxxxx. |  | Reviewer Comment (2025-08-15): SitusAMC received xxxxxx CD | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844197 | xxxxxx | 34173873 | xxxxxx | 08/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2902873) | CD in file disclosed xxxxxx. Note reflects xxxxxx. |  | Reviewer Comment (2025-08-15): SitusAMC Received Final CD dated xxxxxx . | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844197 | xxxxxx | 34173874 | xxxxxx | 08/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final xxxxxx) | Appears to be the Insurance escrows. Collected $150.00 mo, actual $167.75 mo. |  | Reviewer Comment (2025-08-15): SitusAMC received xxxxxx CD | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD A | C | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844197 | xxxxxx | 34173883 | xxxxxx | 08/12/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-08-15): Received Appraisal. Exception cleared. | 08/15/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Purchase | D A | C | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844197 | xxxxxx | 34173885 | xxxxxx | 08/12/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-08-15): Received final 1003. Exception cleared. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D A | C | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844197 | xxxxxx | 34173886 | xxxxxx | 08/12/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  | Reviewer Comment (2025-08-14): Received Appraisal Report. Exception cleared. | 08/14/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Purchase | D A | C | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844197 | xxxxxx | 34177450 | xxxxxx | 08/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Desk review in file shows all pictures in black and white, per guidelines, pictures are to be in color. |  | Reviewer Comment (2025-08-14): Received CDA report which shows all the pictures in color. Exception cleared. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D A | C | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844200 | xxxxxx | 34275304 | xxxxxx | 08/14/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | May 2025 Business/Business Bank Statements missing in loan file. |  | Reviewer Comment (2025-08-21): May 2025 provided | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844200 | xxxxxx | 34275305 | xxxxxx | 08/14/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Provide a copy of Appraisal acknowledgement disclosure within three (3) business days prior to consummation. |  | Reviewer Comment (2025-08-14): Client elects to waive |  |  | 08/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844200 | xxxxxx | 34275308 | xxxxxx | 08/14/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Account Statements - Personal | May 2025 month Business/Business Bank Statements missing in loan file. |  | Reviewer Comment (2025-08-21): May 2025 provided | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844200 | xxxxxx | 34275310 | xxxxxx | 08/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Business/Business Bank Statements May 2025 missing in loan file. |  | Reviewer Comment (2025-08-21): May 2025 provided | 08/21/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844200 | xxxxxx | 34275311 | xxxxxx | 08/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Business/Business Bank Statements May 2025 missing in loan file. |  | Reviewer Comment (2025-08-21): May 2025 provided | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844200 | xxxxxx | 34275312 | xxxxxx | 08/14/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing the May 2025 Bank statement required for income |  | Reviewer Comment (2025-08-21): May 2025 provided | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844200 | xxxxxx | 34275313 | xxxxxx | 08/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | File is missing the May 2025 Bank statement required for income |  | Reviewer Comment (2025-08-21): May 2025 provided | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844200 | xxxxxx | 34275314 | xxxxxx | 08/14/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2025-08-14): Client elects to waive |  |  | 08/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844278 | xxxxxx | 34134079 | xxxxxx | 08/07/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | As per the provided Appraisal report in file, the property is marked as PUD, however, the provided security instrument does not have the 'PUD - Rider' checked and a copy of PUD - Rider is also missing in the file. Provide PUD - Rider and an updated security instrument along with LOE to borrower, proof of delivery to the borrower and lender's LOI. |  | Reviewer Comment (2025-08-29): LOE to borrower and evidence of delivery to borrower provided<br>Reviewer Comment (2025-08-25): Invoice receipt serves as evidence of re-recording, however the condition cannot be cleared. The LOE to borrower and evidence of delivery to the borrower is part of the cure provisions when documents are corrected post-close.<br>Reviewer Comment (2025-08-22): Received Security Instrument and PUD Rider. Provide LOE to borrower, proof of delivery to the borrower and lender's LOI. Exception remains. | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844279 | xxxxxx | 34129466 | xxxxxx | 08/07/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor's for the seller, xxxxxx, were not included in the report. |  | Reviewer Comment (2025-08-11): Received updated Fraud Report, Fraud and OFAC search run on the seller. Exception cleared. | 08/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844279 | xxxxxx | 34129493 | xxxxxx | 08/07/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. | Initial 1003 Declaration section reflects primary residence as "Yes". However the subject transaction is Investment Property. |  | Reviewer Comment (2025-08-08): Corrected initial 1003 provided | 08/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844283 | xxxxxx | 34179696 | xxxxxx | 08/15/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-08-14): The client elects to waive. |  |  | 08/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844283 | xxxxxx | 34182198 | xxxxxx | 08/15/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-08-18): Received updated fraud report. Fraud and OFAC search run on the seller. Exception cleared. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844291 | xxxxxx | 34173169 | xxxxxx | 08/17/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.99 is less than Guideline PITIA months reserves of 4.00. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-08-20): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-08-19): Gift letter and receipt provided. The loan is still short reserves. Cash to close is calculated as funds to close + EMD + POCB fees + any gifts/1031/adjustments on the Final CD. There is a PC-CD in file which reflects a reduction in cash to close, however no final stamped settlement statement to support. |  |  | 08/20/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844291 | xxxxxx | 34173208 | xxxxxx | 08/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves |  | Reviewer Comment (2025-08-20): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-08-19): Gift letter and receipt provided. The loan is still short reserves. Cash to close is calculated as funds to close + EMD + POCB fees + any gifts/1031/adjustments on the Final CD. There is a PC-CD in file which reflects a reduction in cash to close, however no final stamped settlement statement to support. | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844291 | xxxxxx | 34178902 | xxxxxx | 08/17/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift letter for $92,978.49 gift not provided in file. |  | Reviewer Comment (2025-08-19): Gift letter and receipt provided. | 08/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844291 | xxxxxx | 34178903 | xxxxxx | 08/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | SOF for the $92,978.49 gift not provided in file. |  | Reviewer Comment (2025-08-19): Gift letter and receipt provided. | 08/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844291 | xxxxxx | 34180015 | xxxxxx | 08/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR risk for reserves, Gift letter and SOF for the Gift. |  | Reviewer Comment (2025-08-19): Gift letter and receipt provided. Loan is Non-QM. | 08/19/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844291 | xxxxxx | 34180016 | xxxxxx | 08/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Gift Funds/Gift Funds) | ATR risk for reserves, Gift letter and SOF for the Gift. |  | Reviewer Comment (2025-08-19): Gift letter and receipt provided | 08/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844291 | xxxxxx | 34180017 | xxxxxx | 08/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR risk for reserves, Gift letter and SOF for the Gift. |  | Reviewer Comment (2025-08-19): Gift letter and receipt provided | 08/19/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844291 | xxxxxx | 34245247 | xxxxxx | 08/19/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves |  | Reviewer Comment (2025-08-20): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-08-19): Gift letter and receipt provided. The loan is still short reserves. Cash to close is calculated as funds to close + EMD + POCB fees + any gifts/1031/adjustments on the Final CD. There is a PC-CD in file which reflects a reduction in cash to close, however no final stamped settlement statement to support. | 08/20/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844304 | xxxxxx | 34320881 | xxxxxx | 08/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Missing executed deed confirming transfer of subject property ownership to the borrower. |  | Reviewer Comment (2025-08-22): Received correct Deed with subject property address in the file. Exception Cleared.<br>Reviewer Comment (2025-08-20): Unable to clear. The deed provided is not related to the subject property. | 08/22/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844304 | xxxxxx | 34320882 | xxxxxx | 08/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination for non-permanent resident with A-12 category. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-16): Client elected to waive exceptions with compensating factors. |  |  | 08/16/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844356 | xxxxxx | 34171636 | xxxxxx | 08/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing on file. |  | Reviewer Comment (2025-08-20): Received full fraud report. Fraud and OFAC search run on the all parties to the transaction are included in the Fraud and OFAC searches. Exception cleared. | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844356 | xxxxxx | 34171691 | xxxxxx | 08/17/2025 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy number is missing from evidence of insurance. |  | Not shown on the policy. | Borrower has been employed in the same industry for more than 5 years<br> Borrower has verified disposable income of $2500.00<br> Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months<br> Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00<br> The combined loan to value (CLTV) on the loan is less than the guideline maximum by at least 10%<br> The loan to value (LTV) on the loan is less than the guideline maximum by at least 10% | Reviewer Comment (2025-08-14): The client elects to waive. |  |  | 08/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844356 | xxxxxx | 34191872 | xxxxxx | 08/17/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $935.00 exceeds tolerance of $865.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Sufficient or excess cure was provided to the borrower at Closing. |  | Reviewer Comment (2025-08-12): Sufficient Cure Provided At Closing |  | 08/12/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844369 | xxxxxx | 34135607 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Verification final appraisal was delivered to borrower at least 3 business days prior to closing was not provided. |  | Reviewer Comment (2025-08-13): Evidence the appraisal was delivered on xxxxxx was provided. | 08/13/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844369 | xxxxxx | 34135678 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Final xxxxxx | No seller paid fess as per Seller or Buyer CD. |  | Reviewer Comment (2025-08-14): SitusAMC received final SS there are no seller paid fees and as per contract the transaction seems direct purchase from builder. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844369 | xxxxxx | 34140667 | xxxxxx | 08/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-08-12): Received Fraud and OFAC search run on authorized signor for the seller, xxxxxx. Exception cleared. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844457 | xxxxxx | 34147503 | xxxxxx | 07/28/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-07-28): Provided and cleared. | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844457 | xxxxxx | 34147505 | xxxxxx | 07/28/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2025-07-29): Per updated guidelines, appraisal not req. to be in name of lender. | 07/29/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844457 | xxxxxx | 34147507 | xxxxxx | 07/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | 1003 in file reflects app date of xxxxxx LE dated xxxxxx |  | Reviewer Comment (2025-07-28): Provided and cleared. | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844464 | xxxxxx | 34180512 | xxxxxx | 07/31/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Only appraisal notice in file dated xxxxxx vs. xxxxxx report date. |  | Reviewer Comment (2025-08-05): Waived per client guidance. |  |  | 08/05/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844470 | xxxxxx | 34201339 | xxxxxx | 08/11/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan has a Prepayment Penalty and the Prepayment Penalty Rider is missing |  | The Lender approval states there's a Prepayment Penalty Term: 12, level 1 which was not provided. |  | Reviewer Comment (2025-08-12): Cleared lender confirmed no prepay. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844471 | xxxxxx | 34147525 | xxxxxx | 07/31/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-08-04): Waived per client guidance. |  |  | 08/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844471 | xxxxxx | 34147526 | xxxxxx | 07/31/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  | Reviewer Comment (2025-08-04): Waived per client guidance. |  |  | 08/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844471 | xxxxxx | 34147527 | xxxxxx | 07/31/2025 | Compliance | Compliance | Federal Compliance | RESPA | Missing Final HUD-1 RESPA Investment Occupancy No Business Purpose Cert (Not subject to APL) | RESPA: Missing Final HUD-1 Title Co. Closing Statement used to source fees. Investment occupancy witrh no business purpose cert in file. Loan is not subject to APL tests in scope requiring points and fees. |  |  | Reviewer Comment (2025-08-04): Waived per client guidance. |  |  | 08/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844476 | xxxxxx | 34147518 | xxxxxx | 07/29/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-08-04): Waived per client guidance. |  |  | 08/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844476 | xxxxxx | 34147519 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2025-08-01): Provided and cleared. | 08/01/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844476 | xxxxxx | 34147520 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Missing evidence of receipt within 3 business days of application. |  | Reviewer Comment (2025-08-04): Waived per client guidance. |  |  | 08/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844476 | xxxxxx | 34147521 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | RESPA | Missing Final HUD-1 RESPA Investment Occupancy No Business Purpose Cert (Not subject to APL) | RESPA: Missing Final HUD-1 Title Co. Closing Statement used to source fees. Investment occupancy witrh no business purpose cert in file. Loan is not subject to APL tests in scope requiring points and fees. |  |  | Reviewer Comment (2025-08-04): Waived per client guidance. |  |  | 08/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844476 | xxxxxx | 34147522 | xxxxxx | 07/29/2025 | Compliance | Compliance | State Compliance | State Late Charge | xxxxxx Non Primary Residence Late Charge Grace Period Testing | xxxxxx Late Charge: Note grace period of 5 days is less than the state minimum of 10 days. |  |  | Reviewer Comment (2025-08-04): Waived per client guidance. |  |  | 08/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844482 | xxxxxx | 34270474 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:46753 xxxxxx) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  | Reviewer Comment (2025-08-14): Provided and cleared. | 08/14/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844482 | xxxxxx | 34270476 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on xxxxxx are underdisclosed. (Final xxxxxx) |  |  | Reviewer Comment (2025-08-14): After further review, exception cleared. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844482 | xxxxxx | 34270477 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $475.00 exceeds tolerance of $322.00 plus 10% or $354.20. Insufficient or no cure was provided to the borrower. xxxxxx | No Valid change of circumstance provided for increase to Recording Fees. |  | Reviewer Comment (2025-08-14): After further review, exception cleared. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844482 | xxxxxx | 34270478 | xxxxxx | 08/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7787) | No Valid change of circumstance provided for increase to Credit Repor Fees. |  | Reviewer Comment (2025-08-14): After further review, exception cleared. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844482 | xxxxxx | 34270479 | xxxxxx | 08/08/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | VVOE within 10 business days of note not in file. |  | Reviewer Comment (2025-08-19): VOE provided, exception cleared.<br>Reviewer Comment (2025-08-16): No, trailing screenshot was not previously in our file. Also, screenshot does not include all info required by xxxxxx guidelines. Exception remains. 7.2.4 VERBAL VERIFICATION OF EMPLOYMENT (VVOE)<br> Verbal Verifications of Employment must be obtained for each borrower using employment income to qualify.<br> VVOEs must meet all the following criteria:<br> Ÿ Completed within 10 business days of closing.<br> Ÿ Confirm that the borrower is employed at time of verification.<br> Ÿ Include the name and phone number of the person processing the VVOE.<br> Ÿ Include the name, position and phone number of the person providing the verification (employer)<br> Ÿ The telephone number for the borrower's employer must be verified independently via any of the<br> following: telephone<br>Reviewer Comment (2025-08-14): Please provide VVOE dated xxxxxx or provide doc ID, unable to locate in file. | 08/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844482 | xxxxxx | 34270480 | xxxxxx | 08/14/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $475.00 exceeds tolerance of $322.00 plus 10% or $354.20. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2025-08-14): Sufficient Cure Provided At Closing |  | 08/14/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844483 | xxxxxx | 34180515 | xxxxxx | 08/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) | Loan estimate not received by the borrower within 3 days of application date on xxxxxx Loan Estimate signed on xxxxxx . |  | Reviewer Comment (2025-08-06): SitusAMC received rebuttal and disclosure summary. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844491 | xxxxxx | 34215794 | xxxxxx | 08/12/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date:xxxxxx<br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx | Most Recent Valuation Inspection Date: xxxxxx <br> Disaster End Date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx | Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2025-08-13): Regrading and waiving. Inspection after disaster date but prior to end date. No damage on appraisal |  |  | 08/13/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844491 | xxxxxx | 34215807 | xxxxxx | 08/12/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-08-13): Client does not test for initial 1003 on BP loans | 08/13/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | C B | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844493 | xxxxxx | 34198204 | xxxxxx | 07/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender exception in file for 5 overdrafts in one year, less than 10. Also for gift donor providing 1 month statement instead of 2. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-29): Approved lender exception in file for 5 overdrafts in one year, less than 10. Also for gift donor providing 1 month statement instead of 2. |  |  | 07/29/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844493 | xxxxxx | 34198205 | xxxxxx | 07/29/2025 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a xxxxxx. Citizen, and the guideline required documentation was not provided. | Borrower: xxxxxx | Citizenship not completed on pg. 1 of final 1003. |  | Reviewer Comment (2025-08-04): Provided and cleared.<br>Reviewer Comment (2025-08-04): Trailing screenshot is not for our borrower, different name, SSN, DOB. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844493 | xxxxxx | 34198207 | xxxxxx | 07/29/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-04): Waived per client guidance. |  |  | 08/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844493 | xxxxxx | 34198210 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | Evidence of earlier receipt missing from file, revised LE issued xxxxxx not signed by borrower and doc tracking not provided. |  | Reviewer Comment (2025-08-08): Esign Tracking provided shows evidence of Loan Estimate received on xxxxxx <br> Reviewer Comment (2025-08-04): Client has elected full TRID testing, need evidence that revised LE issued xxxxxx was received by borrower at least 4 business days prior to closing. | 08/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844502 | xxxxxx | 34198221 | xxxxxx | 08/08/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | On received title preliminary document loan amount is not provided |  | Reviewer Comment (2025-08-11): Supplement located and cleared. | 08/11/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844567 | xxxxxx | 34252518 | xxxxxx | 08/22/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Address on Insurance and RCE reflects directional as xxxxxx. Note: xxxxxx is a known abbreviation for xxxxxx, not for xxxxxx. |  | Reviewer Comment (2025-09-02): Updated HOI and RCE provided | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844567 | xxxxxx | 34260289 | xxxxxx | 08/22/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-08-26): Credit report in file. Exception cleared. | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844701 | xxxxxx | 34164174 | xxxxxx | 08/13/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient Income Documents. |  | Reviewer Comment (2025-08-17): Updated VVOE dated within 10 days of closing provided | 08/17/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844701 | xxxxxx | 34164175 | xxxxxx | 08/13/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The provided VOE in file dated xxxxxx is more than 10 business days of closing date of xxxxxx . Provide a VOE dated within 10 business days of closing. |  | Reviewer Comment (2025-08-17): Updated VVOE dated within 10 days of closing provided | 08/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844701 | xxxxxx | 34188929 | xxxxxx | 08/13/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | VVOE was not provided within 10 business days of Note, as required per guidelines. |  | Reviewer Comment (2025-08-15): Received VVOE within 10 business days of Note. Exception cleared. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844707 | xxxxxx | 34169963 | xxxxxx | 08/13/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR Risk. Short 6 months of reserves |  | Reviewer Comment (2025-08-22): POCB invoice provided<br>Reviewer Comment (2025-08-21): The condition cannot be cleared and borrower is still short. Provide evidence of the paid POCB fee. The initial PITIA is $11,979.81 x 6=$71,878.86. Verified assets, including gifts is $647,495.96. The gift of $75,000 was the EMD and the gift of $20,000 was received into the personal account, therefore cannot double count. Total cash to close is $576,239.39 which consists of cash to close + EMD + POCB + any adjustments/gfits/1031 on the Final CD.<br>Reviewer Comment (2025-08-20): Gift letter for $20,000 provided, however borrower is still short. New reserve count is $71,256.57. There is a POCB fee for $745 for the appraisal on the Final CD. Provide the paid invoice to add back into closing funds.<br>Reviewer Comment (2025-08-18): Initial PITA = $11,979.81 x 6=$71,878.86. Borrower has $51,256.57. There was an additional $20,000 added to the account on xxxxxx that was from the donor listed on the gift letters, yet no gift letter was provided for this additional $20,000. Although, large deposits do not need to be sourced for xxxxxx, if you can clearly tell it is not the borrower's funds and a gift, then it must be addressed. Also, with this, the borrower is still short due to lack of paid POCB.<br>Reviewer Comment (2025-08-15): Received additional assets from xxxxxx; however, there is still a shortfall in the reserve requirement. Also, there is a large deposit of $50,000. Please provide the source of this fund. Exception remains. | 08/22/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844707 | xxxxxx | 34169964 | xxxxxx | 08/13/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR Risk. Short 6 months of reserves |  | Reviewer Comment (2025-08-22): POCB invoice provided<br>Reviewer Comment (2025-08-21): The condition cannot be cleared and borrower is still short. Provide evidence of the paid POCB fee. The initial PITIA is $11,979.81 x 6=$71,878.86. Verified assets, including gifts is $647,495.96. The gift of $75,000 was the EMD and the gift of $20,000 was received into the personal account, therefore cannot double count. Total cash to close is $576,239.39 which consists of cash to close + EMD + POCB + any adjustments/gfits/1031 on the Final CD.<br>Reviewer Comment (2025-08-20): Gift letter for $20,000 provided, however borrower is still short. New reserve count is $71,256.57. There is a POCB fee for $745 for the appraisal on the Final CD. Provide the paid invoice to add back into closing funds.<br>Reviewer Comment (2025-08-18): Initial PITA = $11,979.81 x 6=$71,878.86. Borrower has $51,256.57. There was an additional $20,000 added to the account on xxxxxx that was from the donor listed on the gift letters, yet no gift letter was provided for this additional $20,000. Although, large deposits do not need to be sourced for xxxxxx, if you can clearly tell it is not the borrower's funds and a gift, then it must be addressed. Also, with this, the borrower is still short due to lack of paid POCB.<br>Reviewer Comment (2025-08-15): Received additional assets from xxxxxx; however, there is still a shortfall in the reserve requirement. Also, there is a large deposit of $50,000. Please provide the source of this fund. Exception remains. | 08/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844707 | xxxxxx | 34229229 | xxxxxx | 08/18/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of $71,256.57 is less than Guideline Available for Reserves of $71,878.86. |  |  | Reviewer Comment (2025-08-22): Received appraisal invoice which meets the reserves requirement. Exception cleared.<br>Reviewer Comment (2025-08-21): The condition cannot be cleared and borrower is still short. Provide evidence of the paid POCB fee. The initial PITIA is $11,979.81 x 6=$71,878.86. Verified assets, including gifts is $647,495.96. The gift of $75,000 was the EMD and the gift of $20,000 was received into the personal account, therefore cannot double count. Total cash to close is $576,239.39 which consists of cash to close + EMD + POCB + any adjustments/gfits/1031 on the Final CD.<br>Reviewer Comment (2025-08-20): Gift letter for $20,000 provided, however borrower is still short. New reserve count is $71,256.57. There is a POCB fee for $745 for the appraisal on the Final CD. Provide the paid invoice to add back into closing funds.<br>Reviewer Comment (2025-08-20): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated Available for Reserves of $51,256.57 is less than Guideline Available for Reserves of $71,878.86.<br>Reviewer Comment (2025-08-18): Initial PITA = $11,979.81 x 6=$71,878.86. Borrower has $51,256.57. There was an additional $20,000 added to the account on xxxxxx that was from the donor listed on the gift letters, yet no gift letter was provided for this additional $20,000. Although, large deposits do not need to be sourced for xxxxxx, if you can clearly tell it is not the borrower's funds and a gift, then it must be addressed. Also, with this, the borrower is still short due to lack of paid POCB. | 08/22/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844708 | xxxxxx | 34164182 | xxxxxx | 08/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-08-20): Received updated fraud report. Fraud and OFAC search run on the seller. Exception cleared.<br>Reviewer Comment (2025-08-15): Received updated fraud report, however fraud and OFAC search is not run on seller, xxxxxx. Exception remains. | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844766 | xxxxxx | 34234438 | xxxxxx | 08/18/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. CPA provided this information, however guidelines require the LOE from the borrower for details on nature of business. |  | Reviewer Comment (2025-08-27): LOE provided on nature of business and CPA verifies no license required. Per guidelines, LOE only required by borrower on nature of business.<br>Reviewer Comment (2025-08-25): Received a letter from the borrower stating the nature of their business. However, the letter does not confirm that business does not require government issued license. Exception remains. | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844766 | xxxxxx | 34234503 | xxxxxx | 08/18/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $21,450.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7325) | COC provided is not valid. COC reflects rate locked which would not add a loan origination fee. |  | Reviewer Comment (2025-08-20): SitusAMC received detailed COC dated xxxxxx . | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844775 | xxxxxx | 34358712 | xxxxxx | 08/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide verification that the CPA is duly certified. |  | Reviewer Comment (2025-08-28): cleared with internet search. See doc attached to CPA letter. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 844777 | xxxxxx | 34358724 | xxxxxx | 08/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | Borrower: xxxxxx Occupancy: Investment; Declarations/Will borrower occupy: Yes | Mismatch of data. Confirm Occupancy and Declarations, as per declaration borrower has stated that he will occupy the property. |  | Reviewer Comment (2025-08-29): Cleared with 1003 and e-sign verification. | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 844777 | xxxxxx | 34358727 | xxxxxx | 08/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a final final Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  | Reviewer Comment (2025-08-29): Cleared with final SS. | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 844778 | xxxxxx | 34232212 | xxxxxx | 06/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Note Addendum - Prepayment and Prepayment Rider are missing. PPP Rider was provided |  | Reviewer Comment (2025-06-20): clear | 06/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | B | A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 844778 | xxxxxx | 34232213 | xxxxxx | 06/17/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Appraisal report was provided on xxxxxx which is not within 3 business days of closing. |  | Reviewer Comment (2025-07-22): Confirmation from borrower appraisal received xxxxxx received in trailing docs.<br>Reviewer Comment (2025-06-26): There is nothing in the file to confirm what choices were made. Both documents, were signed but nothing on either document verifies a selection or proof of receipt 3 days prior to closing, Something from the borrower confirming receipt is needed.<br>Reviewer Comment (2025-06-24): Appraisal was sent out on xxxxxx per the appraisal delivery status and there is no evidence of when it was received. Without verification of receipt it is calculated 3 days from the sent date which is xxxxxx . It is not 3 days prior to closing.<br>Reviewer Comment (2025-06-20): Unable to verify receipt date 3 business days prior to closing. | 07/22/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844779 | xxxxxx | 34232218 | xxxxxx | 07/03/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) | Appraisal report dated xxxxxx is missing evidence of receipt. |  | Reviewer Comment (2025-07-29): A letter from the borrower for evidence of receipt of the appraisal was provided.<br>Reviewer Comment (2025-07-23): Still needed for CDA dated xxxxxx .<br>Reviewer Comment (2025-07-10): The document provided does not verify the received date so the mail box rule is applied which puts the received date as xxxxxx which is less than 3 business days prior to closing. | 07/29/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844779 | xxxxxx | 34232219 | xxxxxx | 07/03/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Appraisal report dated xxxxxx is missing evidence of receipt. |  | Reviewer Comment (2025-07-23): Received evidence of primary appraisal delivery<br>Reviewer Comment (2025-07-10): The document provided does not verify the received date so the mail box rule is applied which puts the received date as xxxxxx which is less than 3 business days prior to closing. | 07/23/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844779 | xxxxxx | 34232221 | xxxxxx | 07/03/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Fraud report document is missing. |  | Reviewer Comment (2025-07-10): The fraud report was provided. | 07/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844779 | xxxxxx | 34232222 | xxxxxx | 07/03/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | The CPA must attest that they have audited the business financial statements or reviewed working papers provided by the borrower as well as attest that they<br> are not affiliated or /associated with the borrower's business. |  | Reviewer Comment (2025-07-10): The CPA Letter is in the file.  | 07/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844779 | xxxxxx | 34232223 | xxxxxx | 07/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The CPA must attest that they have audited the business financial statements or reviewed working papers provided by the borrower as well as attest that they<br> are not affiliated or /associated with the borrower's business. |  | Reviewer Comment (2025-07-10): The CPA Letter is in the file.  | 07/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844872 | xxxxxx | 34261698 | xxxxxx | 08/25/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-08-25): Client elects to waive |  |  | 08/25/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844991 | xxxxxx | 34172253 | xxxxxx | 08/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing VVOE for co-borrower. |  | Reviewer Comment (2025-08-18): VVOE provided dated within 10 days prior to the Note date. Loan is Non-QM. | 08/18/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844991 | xxxxxx | 34172254 | xxxxxx | 08/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx/Wages) | Missing the VVOE to confirm employment status. |  | Reviewer Comment (2025-08-18): VVOE provided dated within 10 days prior to the Note date | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844991 | xxxxxx | 34172255 | xxxxxx | 08/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to missing VVOE. This exception will be cleared when all ATR related exceptions are cleared. |  | Reviewer Comment (2025-08-18): VVOE provided dated within 10 days prior to the Note date | 08/18/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844991 | xxxxxx | 34172306 | xxxxxx | 08/17/2025 | Credit | Employment | Miscellaneous | Employment | The verification of employment was not obtained within 10 days of the note date. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx |  |  | Reviewer Comment (2025-08-18): VVOE provided dated within 10 days prior to the Note date | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844991 | xxxxxx | 34172313 | xxxxxx | 08/17/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only |  |  | Reviewer Comment (2025-08-18): VVOE provided dated within 10 days prior to the Note date | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844991 | xxxxxx | 34172330 | xxxxxx | 08/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing the VVOE for the co-borrower. |  | Reviewer Comment (2025-08-18): VVOE provided dated within 10 days prior to the Note date | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844991 | xxxxxx | 34173073 | xxxxxx | 08/17/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Policy has xxxxxx and the Note has xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-08-20): Client elects to waive with verified compensation factors |  |  | 08/20/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844991 | xxxxxx | 34173078 | xxxxxx | 08/17/2025 | Credit | System | General | System | 1003 Subject Address does not match Note address. |  | Application has xxxxxx and the Note has xxxxxx. |  | Reviewer Comment (2025-08-18): Updated 1003 provided | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844991 | xxxxxx | 34173086 | xxxxxx | 08/17/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate has xxxxxx and the Note has xxxxxx. |  | Reviewer Comment (2025-08-18): Updated flood cert provided | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844991 | xxxxxx | 34173096 | xxxxxx | 08/17/2025 | Credit | System | General | System | Borrower 1003 current address does not match Note address. | Borrower: xxxxxx , Borrower: xxxxxx | Application has xxxxxx and the Note has xxxxxx. |  | Reviewer Comment (2025-08-18): Updated 1003's provided | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844991 | xxxxxx | 34173097 | xxxxxx | 08/17/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Valuation has xxxxxx and the Note has xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-08-20): Client elects to waive with verified compensation factors |  |  | 08/20/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845007 | xxxxxx | 34232175 | xxxxxx | 04/23/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx , III | Missing Fraud Report. |  | Reviewer Comment (2025-04-30): The fraud report was provided. | 04/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 845007 | xxxxxx | 34232176 | xxxxxx | 04/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-7,812.50 exceeds tolerance of $-10,938.00. Insufficient or no cure was provided to the borrower. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-7,812.50 exceeds tolerance of $-10,938.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-04-30): SituAMC Received valid COC along with supporting comments on the exception for the timeline of Appraisal received.<br>Reviewer Comment (2025-04-29): SitusAMC: As per the 1025 (DocID D0294) the information was received about the updated property #units on xxxxxx but the changes were made on CD dated xxxxxx which is 4th day from the date of change received. Please provide more information to validate the timeline or cure will be required.<br>Reviewer Comment (2025-04-28): SitusAMC: The COC dated xxxxxx that was provided in the trailing images was also provided in the original loan package. However, we also required additional information with supporting documentation of timeline and to provide information supporting lender's knowledge of when they became aware of the property units changed or Cure is due to borrower. | 04/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 845007 | xxxxxx | 34232178 | xxxxxx | 04/23/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Discrepancy on city name. |  | Reviewer Comment (2025-04-30): An updated appraisal was provided. | 04/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 845016 | xxxxxx | 34232188 | xxxxxx | 06/04/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Full Fraud report missing from file. |  | Reviewer Comment (2025-06-09): The fraud report was provided. | 06/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 845016 | xxxxxx | 34232189 | xxxxxx | 06/04/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Lease Agreement | Lease Agreement is missing. |  | Reviewer Comment (2025-06-18): The lease agreement was provided | 06/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 845016 | xxxxxx | 34232192 | xxxxxx | 06/04/2025 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx Counseling Agencies Disclosure Not in File | xxxxxx - No evidence of required counseling disclosure language per xxxxxx. | Home Counseling Agencies is missing |  | Reviewer Comment (2025-06-23): Counseling Disclosure was provided.<br>Reviewer Comment (2025-06-18): This requires a specific disclosure.<br>Reviewer Comment (2025-06-11): This condition has nothing to do with the counselor list. Provide evidence borrower was provided with other loan options disclosure.<br>Reviewer Comment (2025-06-09): A copy of the actual document is required. | 06/23/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 845016 | xxxxxx | 34232193 | xxxxxx | 06/04/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) xxxxxx Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | xxxxxx Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | HPML Disclosure is missing. |  | Reviewer Comment (2025-06-24): Client elects to waive HPML compliant and State non-compliant. The State is only an EV2-B exception for borrower not provided with written disclosure of non-higher priced loans<br>Reviewer Comment (2025-06-24): The is a required disclosure. |  |  | 06/24/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 845016 | xxxxxx | 34232194 | xxxxxx | 06/04/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx HPML Threshold Test Non-Compliant | xxxxxx Higher-Priced Mortgage Loan: APR on subject loan of 8.87080% or Final Disclosure APR of 8.89200% is equal to or greater than the threshold of APOR 6.88% + 1.5%, or 8.38000%. Non-Compliant Higher Priced Loan. | xxxxxx Higher-Priced Mortgage Loan: APR on subject loan of 8.87080% or Final Disclosure APR of 8.89200% is equal to or greater than the threshold of APOR 6.88% + 1.5%, or 8.38000%. Non-Compliant Higher Priced Loan. |  | Reviewer Comment (2025-06-24): Client elects to waive HPML compliant and State non-compliant. The State is only an EV2-B exception for borrower not provided with written disclosure of non-higher priced loans<br>Reviewer Comment (2025-06-09): The report provided indicates the loan is not high cost; however, this condition relates to higher priced loans. Loan is a compliant higher priced loan in the state of xxxxxx. This is an xxxxxx that client can elect to waive; however, we are unable to clear based on the terms the loan closed under. |  |  | 06/24/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 845016 | xxxxxx | 34232195 | xxxxxx | 06/04/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide status of property located at xxxxxx. If owned, provide verification of associated debt (PITIA and and rental income) and if sold provide evidence of sale. |  | Reviewer Comment (2025-06-09): Cleared with property history report. | 06/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 845025 | xxxxxx | 34232204 | xxxxxx | 06/11/2025 | Compliance | Compliance | State Compliance | State Defect | xxxxxx Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) | xxxxxx Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. |  |  | Reviewer Comment (2025-06-06): Sufficient Cure Provided At Closing | 06/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 845025 | xxxxxx | 34232205 | xxxxxx | 06/11/2025 | Compliance | Compliance | State Compliance | State Defect | xxxxxx Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) | xxxxxx Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided. |  |  | Reviewer Comment (2025-06-18): Tangible Net Benefit Disclosure was provided | 06/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 845025 | xxxxxx | 34232206 | xxxxxx | 06/11/2025 | Compliance | Compliance | State Compliance | State Defect | xxxxxx Home Loan (Tangible Net Benefit Disclosure Not Provided) | xxxxxx Home Loan: Tangible Net Benefit Disclosure not provided to borrower for refinance within 60 months. |  |  | Reviewer Comment (2025-06-16): Tangible Net Benefit Disclosure was provided | 06/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 845025 | xxxxxx | 34232207 | xxxxxx | 06/11/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $194.00 exceeds tolerance of $96.00 plus 10% or $105.60. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2025-06-16): High-Cost Home Loans disclosure was provided. |  | 06/06/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | C | A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 845025 | xxxxxx | 34232208 | xxxxxx | 06/16/2025 | Compliance | Compliance | State Compliance | State Defect | xxxxxx Disclosure Form Referenced Test | xxxxxx Home Loan: Borrower was provided incorrect Tangible Net Benefit Disclosure (use of HUD vs Loan Estimate/Closing Disclosure). |  |  | Reviewer Comment (2025-06-16): xxxxxx Home Loans disclosure was provided. | 06/18/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 845026 | xxxxxx | 34232227 | xxxxxx | 07/14/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | The file is missing evidence of the Hazard Insurance for the property located on xxxxxx. |  | Reviewer Comment (2025-07-31): Property is owned free and clear per fraud report in file and HOI is not required.<br>Reviewer Comment (2025-07-29): Cannot use a post closing document to clear the exception.<br>Reviewer Comment (2025-07-24): Document is dated after closing. | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845085 | xxxxxx | 34358718 | xxxxxx | 08/12/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The appraisal transfer letter did not disclose that the Appraisal was ordered within TRID compliance. |  | Reviewer Comment (2025-08-29): Cleared with LE, 1003, Intent to Proceed and Denial Letter per guidelines.<br>Reviewer Comment (2025-08-27): Provide an appraisal transfer letter meeting guideline requirments. | 08/29/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845085 | xxxxxx | 34358719 | xxxxxx | 08/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $135.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75215) | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $135.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75215) |  | Reviewer Comment (2025-08-25): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 08/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 845085 | xxxxxx | 34358720 | xxxxxx | 08/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7522) | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7522) |  | Reviewer Comment (2025-08-25): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 08/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 845085 | xxxxxx | 34358721 | xxxxxx | 08/25/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $135.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (75215) |  |  | Reviewer Comment (2025-08-25): Sufficient Cure Provided within 60 Days of Closing |  | 08/25/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 845085 | xxxxxx | 34358722 | xxxxxx | 08/25/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (7522) |  |  | Reviewer Comment (2025-08-25): Sufficient Cure Provided within 60 Days of Closing |  | 08/25/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 845118 | xxxxxx | 34358735 | xxxxxx | 08/18/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | CPA letter or Third party verification is missing for "xxxxxx to verify borrower is self employed for at least 2 years in the business. |  | Reviewer Comment (2025-08-29): Business updated per corrected 1003. The business switched from xxxxxx. CPA letter provided.<br>Reviewer Comment (2025-08-25): The 1003 reflects that the income/employment is from xxxxxx. We need clarification of the business and possibly additional documents. | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 845118 | xxxxxx | 34358736 | xxxxxx | 08/18/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Account Statements - Business | Provide 2 months of business statements to support borrower does maintain separate accounts. |  | Reviewer Comment (2025-08-29): Cleared with corrected 1003 and CPA letter. Loan approved using the co-mingled bank statement program. Business assets not required.<br>Reviewer Comment (2025-08-25): Evidence the borrower is self employed at xxxxxx is required. Need 2 months of business statements to evidence the borrowers maintains separate accounts. | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 845118 | xxxxxx | 34358737 | xxxxxx | 08/25/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide clarification of the business entity used for the income. The 1003 reflects xxxxxx and the CPA letter reflects xxxxxx. Additional conditions may apply. |  | Reviewer Comment (2025-08-29): Cleared with updated 1003. | 08/29/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 845236 | xxxxxx | 34231562 | xxxxxx | 08/22/2025 | 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 file is missing Right to Cancel document. |  | Reviewer Comment (2025-08-26): RTC's provided<br>Reviewer Comment (2025-08-25): RTC only provided for xxxxxx. Pending receipt of RTC for xxxxxx. | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 845239 | xxxxxx | 34191767 | xxxxxx | 08/18/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  |  |  | Reviewer Comment (2025-08-21): Trust Cert provided | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 845243 | xxxxxx | 34195512 | xxxxxx | 08/18/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 60.97613% exceeds Guideline total debt ratio of 50.00000%. | Excluding the $157,230.91 xxxxxx deposit from bank statement ending xxxxxx Appears to have been a matured CD per documentation in file. Cannot be used for income. |  | Reviewer Comment (2025-08-26): Received CPA letter with expense factor. DTI inline. Exception cleared.<br>Reviewer Comment (2025-08-21): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of 62.97528% exceeds Guideline total debt ratio of 50.00000%.<br>Reviewer Comment (2025-08-21): Received updated worksheet, however, 100% usability was utilized for income calculation. Please note that, the account utilized for income calculation is co-mingled bank statement, and per guidelines a standard 50% expense factor will be applied to the total of eligible deposit if 3rd Party Prepared Business Expense Statement Letter is not provided. DTI is more than 50%. Exception remains. | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845243 | xxxxxx | 34195584 | xxxxxx | 08/18/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Excluding the $157,230.91 xxxxxx deposit from bank statement ending xxxxxx Appears to have been a matured CD per documentation in file. Cannot be used for income. |  | Reviewer Comment (2025-08-26): Reviewer updated income with CPA expense factor provided<br>Reviewer Comment (2025-08-21): Received updated worksheet, however, 100% usability was utilized for income calculation. Please note that, the account utilized for income calculation is co-mingled bank statement, and per guidelines a standard 50% expense factor will be applied to the total of eligible deposit if 3rd Party Prepared Business Expense Statement Letter is not provided. DTI is more than 50%. Exception remains. | 08/26/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 845243 | xxxxxx | 34195585 | xxxxxx | 08/18/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Excluding the $157,230.91 xxxxxx deposit from bank statement ending xxxxxx Appears to have been a matured CD per documentation in file. Cannot be used for income. |  | Reviewer Comment (2025-08-26): Reviewer updated income with CPA expense factor provided<br>Reviewer Comment (2025-08-21): Received updated worksheet, however, 100% usability was utilized for income calculation. Please note that, the account utilized for income calculation is co-mingled bank statement, and per guidelines a standard 50% expense factor will be applied to the total of eligible deposit if 3rd Party Prepared Business Expense Statement Letter is not provided. DTI is more than 50%. Exception remains. | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845243 | xxxxxx | 34195590 | xxxxxx | 08/18/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 60.97613% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to xxxxxx.) | Excluding the $157,230.91 xxxxxx deposit from bank statement ending xxxxxx Appears to have been a matured CD per documentation in file. Cannot be used for income. |  | Reviewer Comment (2025-08-26): Reviewer updated income with CPA expense factor provided<br>Reviewer Comment (2025-08-21): Received updated worksheet, however, 100% usability was utilized for income calculation. Please note that, the account utilized for income calculation is co-mingled bank statement, and per guidelines a standard 50% expense factor will be applied to the total of eligible deposit if 3rd Party Prepared Business Expense Statement Letter is not provided. DTI is more than 50%. Exception remains.<br>Reviewer Comment (2025-08-21): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 62.97528% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to xxxxxx.) | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845602 | xxxxxx | 34312885 | xxxxxx | 08/29/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.90 is less than Guideline PITIA months reserves of 3.00. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-02): Client elects to waive with verified compensation factors |  |  | 09/02/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846041 | xxxxxx | 34358656 | xxxxxx | 08/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for living rent free since 2021. Comp factors 1.56 DSCR, 11 years investor experience and 65% LTV. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's Experience/Track Record. The borrower has: 11 Years of Experience. Currently holds 3 Properties and has Completed 3 Properties. | Reviewer Comment (2025-08-12): Waived with compensating factors per lender exception approval at origination. |  |  | 08/12/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846051 | xxxxxx | 34358686 | xxxxxx | 06/11/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2025-06-16): The fraud report was provided. | 06/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 846051 | xxxxxx | 34358688 | xxxxxx | 06/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated xxxxxx disclosed an inaccurate APR of 8.58400% compared to the actual APR at consummation of 9.07865% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | 1026.19(f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least three (3) specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under 1026.22, revised disclosures with an accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation (8.584%) changed more than the 0.125%(regular transaction) threshold compared to the actual/calculated APR at consummation (9.07865%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. |  | Reviewer Comment (2025-07-02): SitusAMC Received Interim closing disclosure dated xxxxxx . | 07/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TRID timing exception, no remediation available. C A | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 846051 | xxxxxx | 34358689 | xxxxxx | 06/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation |  |  | Reviewer Comment (2025-07-02): SitusAMC Received Interim CD dated xxxxxx . | 07/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TRID timing exception, no remediation available. C A | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 846051 | xxxxxx | 34358690 | xxxxxx | 06/11/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $225.00 exceeds tolerance of $203.00 plus 10% or $223.30. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx | No valid Change of circumstance provided, nor evidence of cure in file. |  | Reviewer Comment (2025-06-05): Sufficient Cure Provided At Closing |  | 06/05/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | C | A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 846085 | xxxxxx | 34358703 | xxxxxx | 07/31/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | The Fraud Report is missing from the file. |  | Reviewer Comment (2025-08-06): Cleared with Fraud Report. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846085 | xxxxxx | 34358704 | xxxxxx | 07/31/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-08-06): Cleared with approval. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846085 | xxxxxx | 34358706 | xxxxxx | 07/31/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) |  |  | Reviewer Comment (2025-08-06): Cleared with E-Sign consent. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846085 | xxxxxx | 34358710 | xxxxxx | 07/31/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The PUD Rider in file did not contain borrower's signature page. |  | Reviewer Comment (2025-08-06): Cleared with Rider. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846208 | xxxxxx | 34270481 | xxxxxx | 08/15/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2025-08-20): Fraud Report provided, exception cleared. | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846208 | xxxxxx | 34270483 | xxxxxx | 08/15/2025 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of xxxxxx which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: xxxxxx , xxxxxx . Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  | Reviewer Comment (2025-08-20): Confirmed per Busines Purpose Cert, CR pulled xxxxxx and guides, exception cleared. | 08/20/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | C A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846409 | xxxxxx | 34269739 | xxxxxx | 08/27/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx HOA Verification |  |  | Reviewer Comment (2025-09-02): Received HOA Certificate for property located at xxxxxx. Exception cleared.<br>Reviewer Comment (2025-08-28): The condition cannot be waived. The documents on pages 97-110 do not reflect the HOA dues. | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846409 | xxxxxx | 34271695 | xxxxxx | 08/27/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.88 is less than Guideline PITIA months reserves of 4.00. | Per the final CD, total cash to close is $184,494.13 (Funds to close + EMD + POCB fees + any adjustments/gifts/1031). Verified assets including gifts and EMD is $205,845.77 (EMD cannot be used for reserves, only closing funds). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-02): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-08-28): The condition cannot be waived. As noted in the original condition, funds to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 which is $184,494.13. (Funds to close $106,390.13, POCB fees $1,104, EMD $77,000). |  |  | 09/02/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846409 | xxxxxx | 34271698 | xxxxxx | 08/27/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves |  | Reviewer Comment (2025-08-28): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-08-28): The condition cannot be waived. As noted in the original condition, funds to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 which is $184,494.13. (Funds to close $106,390.13, POCB fees $1,104, EMD $77,000). | 08/28/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846409 | xxxxxx | 34271699 | xxxxxx | 08/27/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves |  | Reviewer Comment (2025-08-28): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-08-28): The condition cannot be waived. As noted in the original condition, funds to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 which is $184,494.13. (Funds to close $106,390.13, POCB fees $1,104, EMD $77,000). | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846707 | xxxxxx | 34318416 | xxxxxx | 09/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Aged documents > 60 days. Both the Income (WVOE) and asset documentation (xxxxxx) are greater than 60 days old. |  | Reviewer Comment (2025-09-03): Received WVOE and Bank Statement dated within 60 days prior to Note. Exception cleared. | 09/03/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Purchase | D A | A | A | Non QM | Non QM | No | Mortgagor Focused |

---

## Exhibit 99.4

**EXHIBIT 99.4**

**AMC Rating Agency Grades**

![](tm25265941d1_ex99-4img001.gif)

**Rating Agency Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **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 PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal Number** | **Original Loan Amount** | **Moody's** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Kroll** | **Moody's** | **Moody's** | **Moody's** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Moody's** | **Moody's** | **Scope** |
| xxxxxx | 819494 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 824589 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 832071 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 833050 | xxxxxx | xxxxxx | xxxxxx D | D | A | A | A | A | A | A | A | A D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 833112 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 833599 | xxxxxx | xxxxxx | xxxxxx D | N/A D | A | A | A | N/A | A | A | A | N/A D | N/A D B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 833758 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 833823 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | D | D | D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 834391 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 834783 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 834808 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 834909 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A | A C | C D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 835209 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 835272 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C | A | A | N/A C | N/A C B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 835350 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 835391 | xxxxxx | xxxxxx | xxxxxx C | N/A C | A | A | A | N/A | A | A | A | N/A C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 835609 | xxxxxx | xxxxxx | xxxxxx D | D | A | A | A | A | A | A | A | A D | D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 835627 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 835683 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 835825 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836013 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 836025 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | B | B | B C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836235 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 836332 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 836803 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 836884 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837013 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837079 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 837106 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837112 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837117 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C | A | A | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 837120 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837181 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837299 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837303 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837312 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837314 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837382 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837529 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | B | B | B D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837536 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 837541 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837613 | xxxxxx | xxxxxx | xxxxxx B | N/A B | C | C | C | N/A | C | A | A | N/A C | N/A C | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 837614 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837640 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837649 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837872 | xxxxxx | xxxxxx | xxxxxx D | D | A | A | A | A | A | A | A | A D | D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 838044 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838070 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | B | B | B C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838080 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 838112 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C | A | A | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 838177 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 838232 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838246 | xxxxxx | xxxxxx | xxxxxx B | N/A B | C | C | C | N/A | C | A | A | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 838295 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 838324 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 838333 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 838357 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | D | D | D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838371 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838384 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | D | D | D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 838433 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 838664 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C | A | A | N/A B D | N/A D | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 838668 | xxxxxx | xxxxxx | xxxxxx C | C D | B | B | B | B | B | A | A | A C | C D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838697 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838763 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838774 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 838779 | xxxxxx | xxxxxx | xxxxxx C | N/A C | A | A | A | N/A | A | A | A | N/A C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 838795 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838807 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838852 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 838942 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839353 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839354 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C | A | A | A D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839359 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839360 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839442 | xxxxxx | xxxxxx | xxxxxx C | N/A D | B | B | B | N/A | B | A | A | N/A C | N/A D | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 839450 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C | A | A | N/A C | N/A C B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 839458 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839477 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839528 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839531 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839533 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839556 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839563 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839578 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839617 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | B | B | B | A | A B | B | Mortgagor Focused |
| xxxxxx | 839631 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839632 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839636 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839637 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839647 | xxxxxx | xxxxxx | xxxxxx A | N/A | C | C | C | N/A | C | N/A | N/A | N/A D C | N/A D | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 839670 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839679 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839767 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839772 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839780 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839782 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 839800 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839803 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A | A C | C D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839804 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839805 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | D | D | D | D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 839808 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839841 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839856 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839876 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839879 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 839971 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839989 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840002 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840017 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840025 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840067 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 840145 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840157 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 840226 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | D | D | D | D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 840227 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840229 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C | A | A | N/A D | N/A D B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 840230 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 840238 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840274 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840305 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840307 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840313 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A | A C | C D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 840316 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840320 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840332 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | D | D | D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 840340 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 840341 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840344 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840346 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C | A | A | A D | D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 840400 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 840401 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | C | C | C | C | C A | A C | C | Mortgagor Focused |
| xxxxxx | 840419 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A | A C | C D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840420 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840422 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840426 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 840435 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 840440 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 840453 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840456 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840561 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840563 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840572 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840576 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840613 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840620 | xxxxxx | xxxxxx | xxxxxx C | N/A C | A | A | A | N/A | A | N/A | N/A | N/A D C | N/A D B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 840621 | xxxxxx | xxxxxx | xxxxxx C | N/A C | A | A | A | N/A | A | A | A | N/A B C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 840651 | xxxxxx | xxxxxx | xxxxxx B | B | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 840688 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 840698 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 840712 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840745 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A | A C | C D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840749 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840826 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840841 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 840859 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840888 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840910 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A | A C | C D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840920 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840938 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C | A | A | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 840980 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840981 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 840988 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 840998 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C B | B | N/A | N/A | N/A | N/A | N/A B | B | B | Property Focused |
| xxxxxx | 841016 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841024 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A | A C | C D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 841028 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 841036 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 841046 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841056 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841071 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 841072 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841084 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841102 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841128 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 841192 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841245 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841264 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C | N/A | N/A | N/A D C | N/A D B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 841266 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841275 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A | A C | C D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 841278 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841279 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841281 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 841296 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841298 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841320 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 841328 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841341 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A | A C | C D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 841536 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841540 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841566 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841569 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841575 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A | A | A B | B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 841579 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841587 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841617 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841637 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | C | C | C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 841638 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841639 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 841640 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 841643 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841650 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841672 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | D | A | A | A C | C D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 841678 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 841681 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841752 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841770 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 841781 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 841782 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | D | D | D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841804 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C | A | A | N/A D | N/A D B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 841821 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 841822 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841861 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841865 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 841881 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 841884 | xxxxxx | xxxxxx | xxxxxx B | B | C | C | C | C | D | A | A | A C | C D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 841920 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841979 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841980 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841986 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 841998 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842029 | xxxxxx | xxxxxx | xxxxxx A | N/A | A | A | A | N/A | A | A | A | N/A B | N/A B | N/A | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 842039 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842045 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842047 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842048 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842050 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842052 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842053 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842055 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842061 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842063 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842064 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842068 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842069 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842070 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842072 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842073 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842129 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842317 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842339 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | D | D | D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842375 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842411 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 842419 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | D | D | D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842432 | xxxxxx | xxxxxx | xxxxxx B | B | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 842452 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C | A | A | N/A B C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 842454 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 842460 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842552 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842576 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C | A | A | N/A C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 842620 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A | A C | C D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842641 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842650 | xxxxxx | xxxxxx | xxxxxx C | C D | C | C | C | C | C | A | A | A C | C D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 842688 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842702 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 842717 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842740 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842743 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842791 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A | A C | C D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 842818 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842848 | xxxxxx | xxxxxx | xxxxxx D | D | A | A | A | A | A | A | A | A D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842853 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842854 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842855 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842857 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842858 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842859 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842861 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842862 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842863 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842864 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842865 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842866 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842867 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842868 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842870 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842871 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842872 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842873 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842874 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842875 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842876 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842877 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842878 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842879 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842880 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842881 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842882 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842883 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842884 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842885 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 842886 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842887 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 842895 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 842908 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842910 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842970 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842978 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | B | B | B | B A | A | A | A | A | A | A B | B | B | Mortgagor Focused |
| xxxxxx | 842999 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843007 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843030 | xxxxxx | xxxxxx | xxxxxx A | N/A | A | A | A | N/A | A | A | A | N/A | N/A | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 843046 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843115 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 843124 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843143 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | D | D | D | D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 843163 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843164 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843169 | xxxxxx | xxxxxx | xxxxxx B | B | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 843170 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843171 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843176 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843183 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843186 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843195 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843198 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843224 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843239 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 843270 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843316 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843321 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843323 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843373 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843374 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 843419 | xxxxxx | xxxxxx | xxxxxx C | N/A C | B | B | B | N/A | B | A | A | N/A C | N/A C B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 843432 | xxxxxx | xxxxxx | xxxxxx C | N/A C | B | B | B | N/A | B | A | A | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 843443 | xxxxxx | xxxxxx | xxxxxx C | N/A D | C | C | C | N/A | C | A | A | N/A C | N/A D | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 843450 | xxxxxx | xxxxxx | xxxxxx B | B | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 843454 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843541 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843546 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 843548 | xxxxxx | xxxxxx | xxxxxx B | B | B | B | B | B | B | A | A | A B | B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 843549 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843550 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843553 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843554 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 843555 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 843556 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843558 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843559 | xxxxxx | xxxxxx | xxxxxx B | B | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 843561 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843562 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843563 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843564 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843565 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843566 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843568 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843570 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843573 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 843581 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 843585 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 843598 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843639 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C | A | A | N/A C | N/A C | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 843645 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843684 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843697 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843699 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843700 | xxxxxx | xxxxxx | xxxxxx B | B | B | B | B | B | B | A | A | A B | B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 843722 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 843725 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843799 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843802 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843807 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843809 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843811 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 843815 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843818 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843890 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843942 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843967 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843972 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844063 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | D B | D | C D B | C D A | A | B | B | B | B | B | B | B | Mortgagor Focused |
| xxxxxx | 844064 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | D B | D | C D B | C D A | A | B | B | B | B | B | B | B | Mortgagor Focused |
| xxxxxx | 844084 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 844120 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844197 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C | D | D | D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844200 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 844278 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844279 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844282 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844283 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 844286 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844290 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844291 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 844304 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 844356 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 844369 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844372 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844457 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844460 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844464 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 844466 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844470 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 844471 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 844476 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 844481 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844482 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844483 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844491 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 844493 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 844499 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844501 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844502 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A | A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844567 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844701 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844707 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844708 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844766 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844773 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844775 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844776 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844777 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844778 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844779 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844872 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 844991 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 845007 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845014 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845016 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 845019 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845025 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845026 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845085 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845118 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845122 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845236 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845239 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845243 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845247 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845602 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 846036 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846040 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846041 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 846051 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846085 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846208 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846409 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 846707 | xxxxxx | xxxxxx | xxxxxx C | C D | A | A | A | A | A | A | A | A C | C D A | A | A | A | A | A | A | A | A | Mortgagor Focused |

---

## Exhibit 99.5

**EXHIBIT 99.5**

**AMC QM-ATR DILIGENCE Report**

![](tm25265941d1_ex99-5img001.jpg)

**QM-ATR Diligence**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Borrower Name** | **Originator QM Designation** | **Originator Re Stated QM Designation** | **Due Diligence QM Designation** | **Application Date** |
| xxxxxx | 819494 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 824589 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832071 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833050 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833112 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833599 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833758 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833823 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834391 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834783 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834808 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834909 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835209 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835272 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835350 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835391 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835609 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835627 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835683 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835825 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836013 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836025 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836235 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836332 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836803 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836884 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837013 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837079 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837106 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837112 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837117 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837120 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837181 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837299 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837303 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837312 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837314 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837382 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837529 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837536 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837541 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837613 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837614 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837640 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837649 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837872 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838044 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838070 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838080 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838112 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838177 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838232 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838246 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 838295 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838324 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838333 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838357 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838371 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838384 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838433 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838664 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838668 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838697 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838763 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838774 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838779 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838795 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838807 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838852 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838942 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839353 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839354 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839359 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839360 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839442 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839450 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839458 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839477 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839528 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839531 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839533 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839556 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839563 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839578 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839617 | xxxxxx | xxxxxx | Non QM | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839631 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839632 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839636 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839637 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839647 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839670 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839679 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839767 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839772 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839780 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839782 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839800 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839803 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839804 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839805 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839808 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839841 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839856 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839876 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839879 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839971 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839989 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840002 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840017 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840025 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 840067 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840145 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840157 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840226 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840227 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840229 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840230 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840238 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840274 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840305 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840307 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840313 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840316 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840320 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840332 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840340 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840341 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840344 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840346 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840400 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840401 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 840419 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840420 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840422 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840426 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840435 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840440 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840453 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840456 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840561 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840563 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840572 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840576 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840613 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840620 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840621 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840651 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840688 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840698 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840712 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840745 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840749 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840826 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840841 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840859 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840888 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840910 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840920 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840938 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840980 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840981 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840988 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840998 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841016 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841024 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841028 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841036 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841046 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841056 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841071 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841072 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841084 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841102 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841128 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841192 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841245 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841264 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841266 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841275 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841278 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841279 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841281 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841296 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841298 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841320 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841328 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841341 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841536 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841540 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841566 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841569 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841575 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841579 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841587 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841617 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841637 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841638 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841639 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841640 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841643 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841650 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841672 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841678 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841681 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841752 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841770 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841781 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841782 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841804 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841821 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841822 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841861 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841865 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841881 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841884 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841920 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841979 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841980 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841986 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841998 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842029 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 842039 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842045 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842047 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842048 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842050 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842052 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842053 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842055 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842061 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842063 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842064 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842068 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842069 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842070 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842072 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842073 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842129 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842317 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842339 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842375 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842411 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842419 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842432 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 842452 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842454 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842460 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 842552 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842576 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 842620 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842641 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 842650 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 842688 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 842702 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842717 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842740 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842743 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842791 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842818 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842848 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842853 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842854 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842855 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842857 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842858 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842859 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842861 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842862 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842863 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842864 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842865 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842866 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842867 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842868 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842870 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842871 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842872 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842873 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842874 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842875 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842876 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842877 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842878 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842879 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842880 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842881 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842882 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842883 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842884 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842885 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842886 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842887 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842895 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 842908 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 842910 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842970 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842978 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 842999 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843007 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843030 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843046 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843115 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843124 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 843143 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843163 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 843164 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843169 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843170 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843171 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 843176 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843183 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843186 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843195 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843198 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843224 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843239 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843270 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843316 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843321 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843323 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843373 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843374 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843419 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 843432 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843443 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 843450 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843454 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843541 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843546 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843548 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843549 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843550 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843553 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843554 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843555 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843556 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843558 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843559 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843561 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843562 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843563 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843564 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843565 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843566 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843568 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843570 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843573 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843581 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843585 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843598 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 843639 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 843645 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843684 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843697 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 843699 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 843700 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 843722 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 843725 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 843799 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843802 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843807 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843809 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 843811 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 843815 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843818 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843890 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843942 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843967 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 843972 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844063 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844064 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844084 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 844120 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844197 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844200 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844278 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844279 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844282 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844283 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844286 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844290 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844291 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844304 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844356 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844369 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844372 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844457 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844460 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844464 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844466 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844470 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844471 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844476 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844481 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844482 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844483 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844491 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844493 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844499 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844501 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844502 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844567 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844701 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844707 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844708 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844766 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844773 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 844775 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 844776 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 844777 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 844778 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844779 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844872 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844991 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845007 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 845014 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 845016 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 845019 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 845025 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 845026 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845085 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845118 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 845122 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 845236 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845239 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845243 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845247 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845602 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846036 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846040 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846041 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846051 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 846085 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846208 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846409 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846707 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |

---

## Exhibit 99.6

**EXHIBIT 99.6**

**AMC VALUATION Report**

![](tm25265941d1_ex99-6img001.jpg)

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Number** | **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** | **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** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** | **Scope** |
| xxxxxx | 819494 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/16/2025 | 06/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 824589 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/18/2025 | 10/07/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/24/2025 | 10/07/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.80 | Property Focused |
| xxxxxx | 832071 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 03/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/10/2025 | 03/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 833050 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/22/2025 | 03/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/08/2025 | 03/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 833112 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 03/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 833599 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 04/02/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.10 | Mortgagor Focused |
| xxxxxx | 833758 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/02/2025 | 04/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/08/2025 | 04/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.90 | Property Focused |
| xxxxxx | 833823 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 03/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/06/2025 | 03/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 834391 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/26/2025 | 03/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -6.450% | 07/18/2025 | 06/24/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -6.450% | xxxxxx | 07/18/2025 | 06/24/2025 | N/A |  |  | Property Focused |
| xxxxxx | 834783 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/15/2025 | 03/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/19/2025 | 03/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 834808 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/24/2025 | 03/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/13/2025 | 03/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 834909 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/01/2025 | 04/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -4.460% | 04/10/2025 | 04/10/2025 | AVM | xxxxxx | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 835209 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/13/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 06/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 835272 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/04/2025 | 03/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 03/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 | Mortgagor Focused |
| xxxxxx | 835350 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/02/2025 | 04/26/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.10 | Property Focused |
| xxxxxx | 835391 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/25/2025 | 02/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/05/2025 | 02/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 835609 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/12/2025 | 04/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/27/2025 | 04/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 835627 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 31.370% | xxxxxx | 04/12/2025 | 04/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Property Focused |
| xxxxxx | 835683 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/04/2025 | 03/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/25/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.80 | Property Focused |
| xxxxxx | 835825 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/05/2025 | 04/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 5.310% | 04/24/2025 | 04/24/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 836013 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 04/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/11/2025 | 05/09/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 | Mortgagor Focused |
| xxxxxx | 836025 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 04/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/11/2025 | 04/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 836235 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 836332 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/15/2025 | 04/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/25/2025 | 04/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 836803 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 05/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/08/2025 | 05/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 | Property Focused |
| xxxxxx | 836884 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 03/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/07/2025 | 03/16/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Property Focused |
| xxxxxx | 837013 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/24/2025 | 02/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/21/2025 | 02/21/2025 | Desk Review | xxxxxx |  | Low | xxxxxx | $0.00 | 0.000% | xxxxxx | Low | 03/21/2025 | 02/21/2025 |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 837079 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 24.690% | xxxxxx | 04/14/2025 | 04/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/03/2025 | 04/11/2025 | Desk Review | xxxxxx |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 | Mortgagor Focused |
| xxxxxx | 837106 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/19/2025 | 04/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/23/2025 | 04/19/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 837112 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.940% | 05/22/2025 | 05/22/2025 | AVM | xxxxxx | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 | Property Focused |
| xxxxxx | 837117 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 05/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/13/2025 | 05/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 837120 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/12/2025 | 05/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/28/2025 | 05/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |  | Mortgagor Focused |
| xxxxxx | 837181 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 04/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/10/2025 | 04/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 837299 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 5.880% | xxxxxx | 05/13/2025 | 04/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 837303 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 8.860% | xxxxxx | 05/09/2025 | 04/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Property Focused |
| xxxxxx | 837312 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 8.960% | xxxxxx | 04/21/2025 | 04/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 837314 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 6.780% | xxxxxx | 05/12/2025 | 04/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 837382 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 8.960% | xxxxxx | 04/21/2025 | 04/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 837529 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 04/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 837536 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/13/2025 | 03/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/14/2025 | 03/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 837541 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/09/2025 | 04/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/25/2025 | 04/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 837613 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/11/2025 | 05/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 837614 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 04/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/09/2025 | 04/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 837640 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 04/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/27/2025 | 04/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.60 | Property Focused |
| xxxxxx | 837649 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/21/2025 | 05/12/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.90 | Mortgagor Focused |
| xxxxxx | 837872 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/07/2025 | 05/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 9.950% | 03/05/2025 | 03/05/2025 | AVM | xxxxxx | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838044 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 05/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/26/2025 | 05/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 838070 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/21/2025 | 05/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -4.080% | 05/23/2025 | 05/23/2025 | AVM | xxxxxx | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.80 | Mortgagor Focused |
| xxxxxx | 838080 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 838112 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/23/2025 | 05/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/15/2025 | 05/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838177 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 05/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 05/07/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 838232 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/17/2025 | 05/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 | Property Focused |
| xxxxxx | 838246 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 838295 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/13/2025 | 05/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/04/2025 | 05/31/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 838324 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/23/2025 | 05/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 838333 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 | Mortgagor Focused |
| xxxxxx | 838357 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 04/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 04/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 | Property Focused |
| xxxxxx | 838371 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -1.460% | 06/11/2025 | 06/11/2025 | AVM | xxxxxx | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.70 | Property Focused |
| xxxxxx | 838384 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/29/2025 | 05/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/02/2025 | 05/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 838433 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 07/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/11/2025 | 07/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 838664 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/18/2025 | AVM | xxxxxx |  |  | 0.06 | xxxxxx | xxxxxx | 0.800% | 07/16/2025 | 07/10/2025 | Drive By | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838668 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/07/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.500% | 06/09/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 | Mortgagor Focused |
| xxxxxx | 838697 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/03/2025 | 06/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/23/2025 | 06/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 838763 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/11/2025 | 05/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 05/20/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 838774 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 838779 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/01/2025 | 05/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/04/2025 | 05/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.40 | Mortgagor Focused |
| xxxxxx | 838795 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 05/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/23/2025 | 05/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 838807 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/19/2025 | 05/15/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 838852 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/23/2025 | 05/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.210% | 07/03/2025 | 07/03/2025 | AVM | xxxxxx | 0.05 |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -2.210% | xxxxxx | 07/03/2025 | 07/03/2025 | No | 3.00 | 2.30 | Property Focused |
| xxxxxx | 838942 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 05/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/21/2025 | 05/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 839353 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/07/2025 | 05/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/09/2025 | 05/08/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 839354 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/16/2025 | 05/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 05/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 839359 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/01/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 839360 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/20/2025 | 06/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/15/2025 | 06/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 839442 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 839450 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/19/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/25/2025 | 06/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 839458 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/06/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/30/2025 | 05/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 839477 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/10/2025 | 05/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/21/2025 | 05/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 839528 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -3.480% | 06/11/2025 | 06/11/2025 | AVM | xxxxxx | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 | Property Focused |
| xxxxxx | 839531 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 03/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/07/2025 | 03/21/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.30 | Property Focused |
| xxxxxx | 839533 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/06/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/14/2025 | 06/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 839556 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/24/2025 | 06/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 839563 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/23/2025 | 06/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 | Property Focused |
| xxxxxx | 839578 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 | Property Focused |
| xxxxxx | 839617 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/20/2025 | 06/12/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 839631 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 839632 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/30/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 | Property Focused |
| xxxxxx | 839636 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/02/2025 | 05/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 839637 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/16/2025 | 04/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 839647 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/09/2025 | 06/09/2025 | AVM | xxxxxx |  |  | 0.04 | xxxxxx | xxxxxx | 1.250% | 07/22/2025 | 07/22/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 1.250% | xxxxxx | 07/22/2025 | 07/22/2025 | N/A |  |  | Mortgagor Focused |
| xxxxxx | 839670 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/12/2025 | 05/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/04/2025 | 05/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 839679 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 | Mortgagor Focused |
| xxxxxx | 839767 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/12/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Mortgagor Focused |
| xxxxxx | 839772 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/01/2025 | 04/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.20 | Property Focused |
| xxxxxx | 839780 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Property Focused |
| xxxxxx | 839782 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/11/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/13/2025 | 06/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 839800 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/25/2025 | 06/05/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 839803 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/07/2025 | 03/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Property Focused |
| xxxxxx | 839804 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/06/2025 | 05/29/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 839805 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/11/2025 | 05/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 839808 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 04/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/22/2025 | 04/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.90 | Property Focused |
| xxxxxx | 839841 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 05/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/11/2025 | 05/21/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.40 | Property Focused |
| xxxxxx | 839856 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/09/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 839876 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/13/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Property Focused |
| xxxxxx | 839879 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/03/2025 | 05/19/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 839971 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/29/2025 | 06/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 839989 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/23/2025 | 05/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Property Focused |
| xxxxxx | 840002 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 06/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/15/2025 | 06/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 840017 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 04/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/21/2025 | 04/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 840025 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/16/2025 | 07/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 840067 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/13/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 840145 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/23/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 840157 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/15/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  | Property Focused |
| xxxxxx | 840226 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/15/2025 | 04/29/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/23/2025 | 04/29/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 840227 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/22/2024 | 11/21/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 840229 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/09/2024 | 09/06/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -3.060% | 08/26/2024 | 08/26/2024 | AVM | xxxxxx | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 840230 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 4.690% | xxxxxx | 06/13/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 4.690% | 07/14/2025 | 06/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 840238 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/09/2025 | 06/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 840274 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/12/2025 | 05/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 840305 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 05/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/23/2025 | 05/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 840307 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 840313 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 04/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/13/2025 | 04/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 840316 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/02/2025 | 04/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 840320 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 840332 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 05/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/25/2025 | 05/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 | Property Focused |
| xxxxxx | 840340 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/01/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 840341 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/07/2025 | 06/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 840344 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/20/2025 | 06/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/23/2025 | 06/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 840346 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/15/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 840400 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/13/2025 | 02/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 840401 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 840419 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/11/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  | Mortgagor Focused |
| xxxxxx | 840420 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/26/2025 | 02/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 840422 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 02/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/01/2025 | 02/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 | Property Focused |
| xxxxxx | 840426 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/27/2025 | 06/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/01/2025 | 06/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 840435 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/19/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 840440 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/09/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 840453 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 06/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/24/2025 | 06/16/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Property Focused |
| xxxxxx | 840456 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/13/2025 | 05/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/17/2025 | 05/08/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 840561 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 05/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/05/2025 | 05/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 840563 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 5.910% | 06/23/2025 | 06/23/2025 | AVM | xxxxxx | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 840572 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/24/2025 | 05/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/12/2025 | 05/04/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 | Property Focused |
| xxxxxx | 840576 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/16/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 840613 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 05/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/03/2025 | 05/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 840620 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 840621 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/06/2025 | 06/06/2025 | AVM | xxxxxx |  |  | 0.07 | xxxxxx | xxxxxx | 3.550% | 06/12/2025 | 06/12/2025 | AVM | xxxxxx | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 840651 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/20/2025 | 06/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 840688 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/13/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/27/2025 | 06/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 | Property Focused |
| xxxxxx | 840698 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/30/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/05/2025 | 05/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 840712 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/01/2025 | 06/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 | Mortgagor Focused |
| xxxxxx | 840745 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/25/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 840749 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/31/2025 | 01/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 840826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 05/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 840841 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/05/2025 | 05/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 840859 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 2.310% | xxxxxx | 06/11/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  | Property Focused |
| xxxxxx | 840888 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 13.700% | xxxxxx | 06/15/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 13.700% | 07/25/2025 | 06/13/2025 | Field Review | xxxxxx |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | High | 06/25/2025 | 06/13/2025 |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 840910 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 840920 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/06/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Property Focused |
| xxxxxx | 840938 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/11/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 06/04/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 840980 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/27/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -5.400% | 07/01/2025 | 07/01/2025 | AVM | xxxxxx | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.00 | Mortgagor Focused |
| xxxxxx | 840981 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/01/2025 | 06/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 840988 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  | Property Focused |
| xxxxxx | 840998 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 08/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 22.880% | 06/25/2025 | 05/31/2025 | Appraisal | xxxxxx |  |  | xxxxxx | xxxxxx | 22.880% | xxxxxx | Moderate | 06/26/2025 | 05/31/2025 |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 841016 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 841024 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/02/2025 | 06/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 841028 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 841036 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/21/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 | Mortgagor Focused |
| xxxxxx | 841046 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/30/2025 | 06/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 841056 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/20/2025 | 06/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 841071 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 03/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 03/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 | Property Focused |
| xxxxxx | 841072 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/07/2025 | 06/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  | Property Focused |
| xxxxxx | 841084 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 841102 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 8.190% | xxxxxx | 07/07/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 | Mortgagor Focused |
| xxxxxx | 841128 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 0.560% | xxxxxx | 07/07/2025 | 07/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.560% | 07/10/2025 | 07/02/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 841192 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/11/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Property Focused |
| xxxxxx | 841245 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/12/2025 | 07/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Property Focused |
| xxxxxx | 841264 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/07/2025 | 07/07/2025 | AVM | xxxxxx |  |  | 0.09 | xxxxxx | xxxxxx | 27.310% | 06/24/2025 | 06/24/2025 | AVM | xxxxxx | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 841266 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/14/2025 | 04/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 841275 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/07/2025 | 06/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/08/2025 | 06/27/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 841278 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/11/2025 | 06/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/11/2025 | 06/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 841279 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/03/2025 | 07/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -9.620% | 07/07/2025 | 07/07/2025 | AVM | xxxxxx | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 841281 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/14/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 06/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.20 | Property Focused |
| xxxxxx | 841296 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/27/2025 | 03/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 | Property Focused |
| xxxxxx | 841298 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.30 | Property Focused |
| xxxxxx | 841320 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/04/2025 | 06/05/2025 | Desk Review | xxxxxx |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 841328 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 841341 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 841536 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 841540 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 06/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/20/2025 | 06/06/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 841566 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 841569 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/01/2025 | 06/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 841575 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 9.090% | xxxxxx | 06/27/2025 | 06/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 9.090% | 06/30/2025 | 06/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 841579 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/03/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 841587 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/19/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/20/2025 | 06/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 841617 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/27/2025 | 06/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/30/2025 | 06/22/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 841637 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/22/2024 | 02/20/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 841638 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/05/2025 | 08/19/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 841639 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/08/2025 | 09/22/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/07/2024 | 09/22/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 | Mortgagor Focused |
| xxxxxx | 841640 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/05/2024 | 10/31/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 | Mortgagor Focused |
| xxxxxx | 841643 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -5.660% | 07/07/2025 | 04/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 841650 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 1.560% | 07/13/2025 | 07/11/2025 | Appraisal | xxxxxx |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Low | 07/18/2025 | 05/15/2025 |  |  |  |  |  |  | No |  | 1.90 | Mortgagor Focused |
| xxxxxx | 841672 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/04/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 841678 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/31/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/29/2025 | 05/29/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 841681 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/10/2025 | 04/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Property Focused |
| xxxxxx | 841752 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 841770 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/29/2025 | 03/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/01/2025 | 03/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.90 | Mortgagor Focused |
| xxxxxx | 841781 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 07/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 841782 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/29/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -9.760% | 06/02/2025 | 05/22/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 841804 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/03/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/09/2025 | 07/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.60 | Mortgagor Focused |
| xxxxxx | 841821 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/04/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  | Property Focused |
| xxxxxx | 841822 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/10/2025 | 07/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 | Property Focused |
| xxxxxx | 841861 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/15/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/18/2025 | 06/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 841865 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 841881 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/11/2025 | 07/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 841884 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 07/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  | Mortgagor Focused |
| xxxxxx | 841920 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/08/2025 | 06/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 | Property Focused |
| xxxxxx | 841979 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/20/2025 | 06/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/25/2025 | 06/19/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 841980 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 | Property Focused |
| xxxxxx | 841986 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 841998 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/09/2025 | 06/26/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 842029 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/22/2025 | 07/10/2025 | Drive By | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/17/2025 | 07/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 842039 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/26/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 842045 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 842047 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 | Property Focused |
| xxxxxx | 842048 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Property Focused |
| xxxxxx | 842050 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -1.790% | 06/02/2025 | 04/29/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 842052 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 842053 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/09/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 842055 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 | Mortgagor Focused |
| xxxxxx | 842061 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/13/2025 | 05/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/12/2025 | 05/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 | Property Focused |
| xxxxxx | 842063 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 842064 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/13/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/18/2025 | 06/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 | Property Focused |
| xxxxxx | 842068 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/23/2025 | 06/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 842069 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/13/2025 | 05/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 | Property Focused |
| xxxxxx | 842070 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/14/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 842072 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Property Focused |
| xxxxxx | 842073 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 05/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/16/2025 | 05/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 | Property Focused |
| xxxxxx | 842129 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/18/2025 | 07/17/2025 | Appraisal | xxxxxx |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Low | 07/15/2025 | 07/09/2025 |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 842317 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/18/2025 | 06/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 | Mortgagor Focused |
| xxxxxx | 842339 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/23/2025 | 06/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 842375 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 | Property Focused |
| xxxxxx | 842411 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/31/2025 | 05/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 | Mortgagor Focused |
| xxxxxx | 842419 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 842432 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/30/2025 | 06/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 | Mortgagor Focused |
| xxxxxx | 842452 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 06/04/2025 | AVM | xxxxxx |  |  | 0.2 | xxxxxx | xxxxxx | -3.370% | 07/07/2025 | 07/07/2025 | AVM | xxxxxx | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 842454 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/18/2025 | 07/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 842460 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/12/2025 | 04/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/22/2025 | 04/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 842552 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 06/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 842576 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -4.090% | 04/21/2025 | 04/21/2025 | AVM | xxxxxx | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 | Mortgagor Focused |
| xxxxxx | 842620 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 | Mortgagor Focused |
| xxxxxx | 842641 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/28/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/17/2025 | 07/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 | Mortgagor Focused |
| xxxxxx | 842650 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 07/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 842688 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 06/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 | Mortgagor Focused |
| xxxxxx | 842702 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 842717 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 842740 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/15/2025 | 07/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.90 | Mortgagor Focused |
| xxxxxx | 842743 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 06/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/14/2025 | 06/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.60 | Mortgagor Focused |
| xxxxxx | 842791 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 06/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/16/2025 | 06/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 842818 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/04/2025 | 07/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/17/2025 | 07/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 | Mortgagor Focused |
| xxxxxx | 842848 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 07/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/17/2025 | 07/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.00 | Mortgagor Focused |
| xxxxxx | 842853 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/17/2025 | 04/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/29/2025 | 04/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 | Property Focused |
| xxxxxx | 842854 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/02/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/05/2025 | 04/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 | Property Focused |
| xxxxxx | 842855 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/28/2025 | 03/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 842857 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/28/2025 | 03/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 842858 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/25/2025 | 04/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Property Focused |
| xxxxxx | 842859 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 842861 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/09/2025 | 05/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/14/2025 | 05/07/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 | Property Focused |
| xxxxxx | 842862 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 05/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 842863 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Property Focused |
| xxxxxx | 842864 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Property Focused |
| xxxxxx | 842865 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/02/2025 | 04/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 842866 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 842867 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/17/2025 | 05/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 842868 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/08/2025 | 05/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 842870 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 05/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/30/2025 | 05/16/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 | Property Focused |
| xxxxxx | 842871 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 05/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/14/2025 | 05/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 | Property Focused |
| xxxxxx | 842872 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/15/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 842873 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/18/2025 | 03/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/12/2025 | 03/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 | Property Focused |
| xxxxxx | 842874 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/02/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 842875 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/30/2025 | 05/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 05/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 | Property Focused |
| xxxxxx | 842876 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 842877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/21/2025 | 04/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Property Focused |
| xxxxxx | 842878 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 04/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 842879 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/25/2025 | 04/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 | Property Focused |
| xxxxxx | 842880 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -3.230% | 04/24/2025 | 04/21/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 842881 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 04/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/06/2025 | 04/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 842882 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 03/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/05/2025 | 03/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 842883 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 05/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Property Focused |
| xxxxxx | 842884 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 04/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 842885 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/09/2025 | 04/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/11/2025 | 04/04/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 842886 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/12/2025 | 05/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/16/2025 | 05/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 842887 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/27/2025 | 04/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 842895 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 06/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/07/2025 | 06/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 842908 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 07/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 07/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 | Mortgagor Focused |
| xxxxxx | 842910 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/27/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 842970 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 07/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/09/2025 | 07/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.30 | Mortgagor Focused |
| xxxxxx | 842978 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/11/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 842999 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 07/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 843007 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/30/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/15/2025 | 07/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 843030 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 | Mortgagor Focused |
| xxxxxx | 843046 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 07/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/15/2025 | 07/07/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843115 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 03/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 843124 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/30/2025 | 07/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/31/2025 | 07/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 843143 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/10/2025 | 04/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 843163 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/07/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/17/2025 | 07/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.30 | Mortgagor Focused |
| xxxxxx | 843164 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 | Mortgagor Focused |
| xxxxxx | 843169 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/12/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 | Mortgagor Focused |
| xxxxxx | 843170 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 843171 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 | Mortgagor Focused |
| xxxxxx | 843176 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/18/2025 | 07/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 843183 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 03/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843186 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843195 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/28/2025 | 06/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843198 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/05/2025 | 06/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843224 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/07/2025 | 06/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 843239 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843270 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843316 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/18/2025 | 06/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 843321 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/10/2025 | 06/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 843323 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/19/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843373 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/10/2025 | 06/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843374 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/28/2025 | 06/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/12/2025 | 06/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843419 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/21/2025 | 07/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 843432 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/07/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 | Mortgagor Focused |
| xxxxxx | 843443 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Mortgagor Focused |
| xxxxxx | 843450 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 843454 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/09/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Property Focused |
| xxxxxx | 843541 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 843546 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 843548 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 06/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 | Mortgagor Focused |
| xxxxxx | 843549 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/11/2025 | 06/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/16/2025 | 06/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 843550 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 06/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 | Mortgagor Focused |
| xxxxxx | 843553 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843554 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/02/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/24/2025 | 05/28/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843555 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 843556 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/21/2025 | 06/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/24/2025 | 06/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843558 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/13/2025 | 05/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 843559 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/09/2025 | 06/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 843561 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 06/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843562 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 04/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/20/2025 | 04/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 | Property Focused |
| xxxxxx | 843563 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/27/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 843564 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 843565 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 06/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 843566 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/13/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843568 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/05/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843570 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/29/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 843573 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/02/2025 | 04/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 843581 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 843585 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/24/2025 | 07/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 | Mortgagor Focused |
| xxxxxx | 843598 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/30/2025 | 07/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.70 | Mortgagor Focused |
| xxxxxx | 843639 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 06/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/15/2025 | 06/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 843645 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/28/2025 | 07/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 | Mortgagor Focused |
| xxxxxx | 843684 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 06/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/04/2025 | 06/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843697 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/11/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/16/2025 | 07/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 843699 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Mortgagor Focused |
| xxxxxx | 843700 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/09/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 843722 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 05/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/07/2025 | 05/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 843725 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/18/2025 | 04/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 843799 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/11/2025 | 07/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 843802 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/09/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 | Mortgagor Focused |
| xxxxxx | 843807 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 06/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/17/2025 | 06/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 843809 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/11/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 843811 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 | Mortgagor Focused |
| xxxxxx | 843815 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/10/2025 | 07/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.90 | Mortgagor Focused |
| xxxxxx | 843818 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/20/2025 | 07/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 07/20/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 843890 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/18/2025 | 06/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 843942 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/26/2025 | 07/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 | Mortgagor Focused |
| xxxxxx | 843967 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/23/2025 | 07/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 843972 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 07/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 844063 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/22/2025 |  | Stated | xxxxxx |  |  |  | xxxxxx | xxxxxx | 4.170% | 08/13/2025 | 08/14/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 844064 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/16/2025 |  | Stated | xxxxxx |  |  |  | xxxxxx | xxxxxx | -4.840% | 08/11/2025 | 08/12/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -4.840% | xxxxxx | 08/11/2025 | 08/12/2025 | N/A |  |  | Mortgagor Focused |
| xxxxxx | 844084 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 0.880% | xxxxxx | 07/02/2025 | 06/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/29/2025 | 07/23/2025 | Appraisal | xxxxxx |  |  | xxxxxx | xxxxxx | 0.880% | xxxxxx | Low | 07/08/2025 | 06/28/2025 |  |  |  |  |  |  | No | 3.00 | 1.20 | Mortgagor Focused |
| xxxxxx | 844120 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/06/2025 | 08/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.60 | Mortgagor Focused |
| xxxxxx | 844197 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 05/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.110% | 05/29/2025 | 05/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 | Mortgagor Focused |
| xxxxxx | 844200 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/13/2025 | 06/13/2025 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 844278 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 07/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 844279 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/19/2025 | 07/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 844282 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 844283 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 07/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 844286 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/18/2025 | 07/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |  | Mortgagor Focused |
| xxxxxx | 844290 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 07/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Mortgagor Focused |
| xxxxxx | 844291 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/11/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 844304 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 3.700% | 07/10/2025 | 07/06/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844356 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 05/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/29/2025 | 05/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 | Mortgagor Focused |
| xxxxxx | 844369 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/15/2025 | 07/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 844372 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/18/2025 | 06/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 | Mortgagor Focused |
| xxxxxx | 844457 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 844460 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 844464 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/06/2025 | 05/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/24/2025 | 05/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 | Mortgagor Focused |
| xxxxxx | 844466 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/23/2025 | 06/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 | Mortgagor Focused |
| xxxxxx | 844470 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/30/2025 | 06/23/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844471 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/08/2025 | 06/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 844476 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 844481 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/18/2025 | 02/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 23.030% | 06/26/2025 | 06/23/2025 | Appraisal | xxxxxx |  |  | xxxxxx | xxxxxx | 23.030% | xxxxxx | Low | 07/15/2025 | 06/23/2025 |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 844482 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/03/2025 | 05/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 844483 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 07/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 844491 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 07/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 844493 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 07/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 844499 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 07/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 07/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 844501 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 844502 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/03/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 844567 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 | Mortgagor Focused |
| xxxxxx | 844701 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/09/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 2.750% | 07/07/2025 | 06/04/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 844707 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/22/2025 | 05/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 844708 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Mortgagor Focused |
| xxxxxx | 844766 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 844773 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/12/2025 | 05/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 844775 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/17/2025 | 07/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 844776 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 844777 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 07/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Mortgagor Focused |
| xxxxxx | 844778 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/23/2025 | 04/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 844779 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 1.310% | xxxxxx | 06/13/2025 | 04/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/13/2025 | 06/12/2024 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 | Mortgagor Focused |
| xxxxxx | 844872 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/08/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/12/2025 | 08/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 844991 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.20 | Mortgagor Focused |
| xxxxxx | 845007 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 20.160% | xxxxxx | 04/11/2025 | 04/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/10/2025 | 04/01/2025 | Desk Review | xxxxxx |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 845014 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/13/2025 | 02/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/27/2025 | 02/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 845016 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 03/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 845019 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/24/2025 | 02/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/07/2025 | 02/21/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 845025 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 05/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -0.110% | 05/14/2025 | 05/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 | Mortgagor Focused |
| xxxxxx | 845026 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 | Mortgagor Focused |
| xxxxxx | 845085 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/10/2025 | 03/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/08/2025 | 03/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 845118 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 845122 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/20/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 845236 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/01/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 845239 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/17/2025 | 07/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 845243 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 845247 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 07/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 845602 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/11/2025 | 07/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 846036 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/25/2025 | 07/14/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 | Property Focused |
| xxxxxx | 846040 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 16.330% | xxxxxx | 06/30/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/07/2025 | 06/25/2025 | Desk Review | xxxxxx |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 | Property Focused |
| xxxxxx | 846041 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 846051 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846085 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/22/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.40 | Mortgagor Focused |
| xxxxxx | 846208 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 10.090% | xxxxxx | 07/21/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/30/2025 | 06/20/2025 | Appraisal | xxxxxx |  | Moderate | xxxxxx | xxxxxx | 10.090% | xxxxxx | Moderate | 07/18/2025 | 07/18/2025 |  |  |  |  |  |  | N/A |  | 4.20 | Mortgagor Focused |
| xxxxxx | 846409 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 846707 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/21/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/28/2025 | 05/15/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |

---

## Exhibit 99.7

**EXHIBIT 99.7**

**AMC SUPPLEMENTAL DATA**

![](tm25265941d1_ex99-7img001.jpg)

**Supplemental Data**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Scope** |
| xxxxxx | 819494 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1790.00 | $7374.75 | xxxxxx | 7.489% | $3867.01 | $3867.01 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9033.38 | 1 | xxxxxx | $1422.96 | xxxxxx | $118.58 |  |  |  |  |  | 32.909% | 32.909% | 32.909% | 05/19/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.830% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $195429.09 | 27.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.93 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 824589 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3955.73 | $3955.73 | 7.750% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $3089.04 | xxxxxx | $257.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/13/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.55 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 832071 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2243.71 | $2243.71 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1698.96 | xxxxxx | $141.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/23/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $577860.29 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 253.97 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833050 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1095.00 | $9355.29 | xxxxxx | 7.535% | $7812.50 | $10069.91 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22790.30 | 1 | xxxxxx | $7560.96 | xxxxxx | $630.08 |  |  |  |  |  | 39.226% | 33.206% | 39.226% | 05/09/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1095.00 | xxxxxx | 6.930% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $6634.19 |  | No | 22 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.63 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833112 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1061.11 | $1061.11 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $411.00 | xxxxxx | $34.25 | xxxxxx |  | $53.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/09/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 116.95 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833599 | xxxxxx | N/A |  |  | xxxxxx | No | No | $2697.15 | $5956.12 | xxxxxx | 9.727% | $1910.77 | $1910.77 | 9.500% | No | No | Not Employed | Employed | Not Employed |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $47790.58 | 1 | xxxxxx | $8760.96 | xxxxxx | $730.08 |  |  |  |  |  | 34.663% | 34.663% | 34.663% | 03/10/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2697.15 | xxxxxx | 6.650% | $0.00 | 2.1 |  |  |  | Yes | No | 9.500% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  | 29 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  | 1 | xxxxxx | 3.250% | xxxxxx | xxxxxx | $1827.87 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 38.52 |  | No | No | xxxxxx | $0.00 | $73144.84 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833758 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2684.76 | $2684.76 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1043.04 | xxxxxx | $86.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/27/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.9 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $43716.97 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 19.22 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 833823 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2859.40 | $2859.40 | 7.375% | No | No |  |  |  |  |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  |  | 2 | xxxxxx | $1962.96 | xxxxxx | $163.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/03/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 15.65 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834391 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4873.32 | $4873.32 | 8.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $5598.60 | xxxxxx | $466.55 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $376591.38 | 43.030% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.2 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834783 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1931.37 | $1931.37 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1490.16 | xxxxxx | $124.18 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/24/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.73 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 94.29 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834808 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1096.02 | $1096.02 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2481.12 | xxxxxx | $206.76 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/23/2025 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $5758.08 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 3.36 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834909 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1840.65 | $1840.65 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $6162.60 | xxxxxx | $513.55 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/29/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $2621.03 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 57.12 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835209 | xxxxxx | N/A |  |  | xxxxxx | No | No | $112788.75 | $49727.87 | xxxxxx | 8.481% | $10998.24 | $10998.24 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $71213.77 | 1 | xxxxxx | $2498.04 | xxxxxx | $208.17 |  |  |  |  |  | 33.066% | 33.066% | 33.066% | 03/06/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  | 02/22/2023 | 1 | 28.2 |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $112788.75 | xxxxxx | 6.870% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 85.52 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835272 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2115.00 | $3430.92 | xxxxxx | 8.793% | $861.18 | $861.18 | 8.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $21123.30 | 1 | xxxxxx | $1008.96 | xxxxxx | $84.08 |  |  |  |  |  | 19.085% | 19.085% | 19.085% | 03/21/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2115.00 | xxxxxx | 6.930% | $0.00 | 3.6 |  |  |  | No | No | 8.500% | 1 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 6.375% | xxxxxx | xxxxxx | $1241.51 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 44.64 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835350 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1035.15 | $1035.15 | 7.625% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1227.24 | xxxxxx | $102.27 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.1 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | xxxxxx | $47232.20 | 20.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 90.64 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835391 | xxxxxx | N/A |  |  | xxxxxx | No | No | $2045.00 | $5490.54 | xxxxxx | 8.940% | $3978.22 | $3978.22 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $149576.34 | 4 | xxxxxx | $2700.00 | xxxxxx | $225.00 |  |  |  |  |  | 29.136% | 29.136% | 29.136% | 02/10/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2045.00 | xxxxxx | 6.650% | $0.00 |  |  |  |  | No | No | 8.875% | 3 |  | 2 | 0 | 3 | 0 |  |  | 13.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.750% | xxxxxx | xxxxxx | $5726.88 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 44.08 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835609 | xxxxxx | N/A |  |  | xxxxxx | No | No | $47810.00 | $16798.25 | xxxxxx | 7.669% | $5244.11 | $5244.11 | 7.500% | No | No | Not Employed | Self-Employed | Not Employed |  | 0 |  |  | xxxxxx | Non-Permanent Resident Alien |  |  |  | xxxxxx |  | $81827.66 | 1 | xxxxxx | $2688.96 | xxxxxx | $224.08 |  |  |  |  |  | 35.092% | 35.092% | 35.092% | 03/31/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | Yes | 24 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - Year Not Available |  | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $47810.00 | xxxxxx | 6.930% | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $825.64 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | Employment Authorization |  | No | 41.89 |  | No | No | xxxxxx | $126067.09 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835627 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1158.95 | $1158.95 | 7.500% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1523.76 | xxxxxx | $126.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.66 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 98.8 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | No | No | Property Focused |
| xxxxxx | 835683 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5488.75 | $5488.75 | 7.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2620.20 | xxxxxx | $218.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.8 |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $856315.20 | 77.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 114.31 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835825 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3327.10 | $3327.10 | 9.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 6 | xxxxxx | $3300.00 | xxxxxx | $275.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.02 | 0.5 |  |  |  |  |  |  |  | xxxxxx | $5300.00 | 0.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 58.52 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836013 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $29913.40 | $25269.12 | xxxxxx | 8.085% | $3822.09 | $3822.09 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7782.56 | 1 | xxxxxx | $3203.88 | xxxxxx | $266.99 |  |  |  |  |  | 42.874% | 42.874% | 42.874% | 04/08/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $29913.40 | xxxxxx | 6.620% | $0.00 | 1.4 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $98117.06 | 14.530% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.24 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836025 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2501.49 | $2501.49 | 7.875% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1339.32 | xxxxxx | $111.61 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  |  |  |  |  | xxxxxx | $433259.79 | 75.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 66.4 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836235 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5244.50 | $5244.50 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1557.96 | xxxxxx | $129.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/26/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.43 | 2.32 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 121.2 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836332 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6992.15 | $6992.15 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $17027.04 | xxxxxx | $1418.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/20/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.54 | 1.83 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.13 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836803 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1272.50 | $1272.50 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1268.04 | xxxxxx | $105.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/29/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $1000.00 | 0.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 54.9 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836884 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1137.97 | $1137.97 | 7.500% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1895.04 | xxxxxx | $157.92 | xxxxxx |  | $250.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/09/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $154576.73 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 94.42 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837013 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2646.50 | $2646.50 | 7.875% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $2273.04 | xxxxxx | $189.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/12/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | xxxxxx | $15695.14 |  | No |  |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 4.44 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837079 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2157.26 | $3418.48 | xxxxxx | 7.716% | $2172.93 | $2172.93 | 7.625% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $58773.47 | 1 | xxxxxx | $6045.12 | xxxxxx | $503.76 |  |  |  |  |  | 7.912% | 7.912% | 7.912% | 03/21/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2006 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $2157.26 | xxxxxx | 6.870% | $0.00 | 2.6 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $17066.30 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 39.7 |  |  | No | xxxxxx | $63823.32 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837106 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2645.86 | $2645.86 | 8.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $2172.96 | xxxxxx | $181.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/26/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.27 |  |  |  |  |  |  | 360 | xxxxxx | $119680.00 | 25.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837112 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1228.34 | $1228.34 | 8.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1846.32 | xxxxxx | $153.86 | xxxxxx |  | $275.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/29/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $4328.42 | 2.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.4 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837117 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6883.60 | $7816.43 | xxxxxx | 9.088% | $1888.08 | $1888.08 | 8.750% | No | No | Self-Employed | Employed | Employed |  | 2.06 |  | Permanent Resident Alien | Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  | xxxxxx |  | $6174.07 | 2 | xxxxxx | $2118.96 | xxxxxx | $176.58 | xxxxxx | xxxxxx | $100.00 |  | Monthly | 43.463% | 43.463% | 43.463% | 04/14/2025 | 748 | 748 | 762 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6883.60 | xxxxxx | 6.890% | $0.00 |  |  |  |  | No | No | 8.750% | 2 | 1 | 2 | 0 | 3 | 1 |  |  | 4.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  | 28 | 29 |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  | 1 | xxxxxx | 4.375% | xxxxxx | xxxxxx | $2059.01 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  | Resident Alien Card | Resident Alien Card | Employment Authorization |  | No | 33.21 |  |  | No | xxxxxx | $0.00 | $10516.45 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837120 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $27195.00 | $29196.17 |  | 7.646% | $13984.29 | $13984.29 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $1180805.62 | 1 | xxxxxx | $8094.96 | xxxxxx | $674.58 | xxxxxx | xxxxxx | $4420.00 |  | Monthly | 2.629% | 2.629% | 2.629% | 05/16/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - 2022<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $27195.00 |  | 6.670% | $0.00 |  |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $493387.18 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 33.09 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837181 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1996.87 | $1996.87 | 8.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1380.96 | xxxxxx | $115.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $28685.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 81.04 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837299 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2157.08 | $2157.08 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1268.04 | xxxxxx | $105.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/14/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 47.23 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837303 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2004.82 | $2004.82 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1215.96 | xxxxxx | $101.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/14/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 52.44 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837312 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1679.99 | $1679.99 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1233.96 | xxxxxx | $102.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/14/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.32 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837314 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1497.27 | $1497.27 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1218.00 | xxxxxx | $101.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/14/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.12 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 61.26 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837382 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1679.99 | $1679.99 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1154.04 | xxxxxx | $96.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/14/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.9 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837529 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1459.81 | $1459.81 | 8.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2034.00 | xxxxxx | $169.50 | xxxxxx |  | $1252.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/23/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.59 | 1.69 |  |  |  |  |  |  |  | xxxxxx | $120013.39 | 44.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 3.53 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837536 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1801.80 | $1801.80 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $669.96 | xxxxxx | $55.83 | xxxxxx |  | $435.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/11/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $64204.67 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 66.62 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837541 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $779.50 | $779.50 | 7.900% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1971.96 | xxxxxx | $164.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/17/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.900% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.8 | 0.56 |  |  |  |  |  |  |  | xxxxxx | $4276.76 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 45.99 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837613 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6140.20 | $7341.92 | xxxxxx | 10.235% | $1910.37 | $1910.37 | 9.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14700.16 | 3 | xxxxxx | $1193.04 | xxxxxx | $99.42 |  |  |  |  |  | 46.673% | 46.673% | 46.673% | 05/07/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6140.20 | xxxxxx | 6.740% | $0.00 |  |  |  |  | No | No | 9.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $7749.25 |  | No |  |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.375% | xxxxxx | xxxxxx | $682.56 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 72.86 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837614 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $791.64 | $791.64 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2479.20 | xxxxxx | $206.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $12000.24 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 12.01 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837640 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2285.68 | $2285.68 | 8.000% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1208.04 | xxxxxx | $100.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/17/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.4 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837649 | xxxxxx | N/A |  |  | xxxxxx | No | No | $8815.00 | $12634.67 | xxxxxx | 8.056% | $11200.00 | $14052.19 | 8.000% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $48609.17 | 1 | xxxxxx | $1625.88 | xxxxxx | $135.49 |  |  |  |  |  | 47.859% | 44.799% | 47.859% | 05/05/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8815.00 | xxxxxx | 6.880% | $0.00 | 2.9 |  |  |  | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $89714.90 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 9.59 |  | No | No | xxxxxx | $93225.41 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837872 | xxxxxx | N/A |  |  | xxxxxx | No | No | $79379.80 | $39858.53 |  | 7.432% | $12006.30 | $12006.30 | 7.250% | No | No | Not Employed | Self-Employed | Self-Employed |  | 9.16 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $80069.00 | 2 | xxxxxx | $7281.00 | xxxxxx | $606.75 |  |  |  |  |  | 25.197% | 25.197% | 25.197% | 05/08/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $79379.80 |  | 6.670% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $381751.96 | 17.350% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 13.64 |  | No | No | xxxxxx | $107040.24 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838044 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2787.55 | $2787.55 | 6.880% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1371.96 | xxxxxx | $114.33 | xxxxxx | xxxxxx | $700.00 |  | Annually | 0.000% | 0.000% | 0.000% |  | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.880% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.2 |  |  |  |  |  |  | 240 | xxxxxx | $614874.83 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 129.91 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838070 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10094.00 | $15874.93 | xxxxxx | 7.521% | $5439.07 | $5439.07 | 7.375% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $24869.14 | 1 | xxxxxx | $1143.12 | xxxxxx | $95.26 | xxxxxx |  | $1000.00 |  | Monthly | 37.820% | 37.820% | 37.820% | 05/10/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10094.00 | xxxxxx | 6.800% | $0.00 | 4.8 |  |  |  | No | No | 7.375% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $255460.42 | 24.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 58.16 |  | No | No | xxxxxx | $30661.98 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838080 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1352.28 | $1352.28 | 8.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1317.96 | xxxxxx | $109.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/09/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $12065.45 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 5.46 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838112 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1495.00 | $2518.33 | xxxxxx | 8.338% | $2200.00 | $2200.00 | 8.250% | No | No | Not Employed | Self-Employed | Self-Employed |  | 11.18 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $7840.10 | 1 | xxxxxx | $1997.04 | xxxxxx | $166.42 |  |  |  |  |  | 43.065% | 43.065% | 43.065% | 05/13/2025 | 718 | 707 | 780 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $1495.00 | xxxxxx | 6.800% | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 | 3 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  | 1 | xxxxxx | 4.000% | xxxxxx | xxxxxx | $2482.56 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 49.07 |  |  | No | xxxxxx | $13770.27 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838177 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5628.68 | $5628.68 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $8185.32 | xxxxxx | $682.11 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/16/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.81 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 15.19 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838232 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1748.04 | $1748.04 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3263.28 | xxxxxx | $271.94 | xxxxxx |  | $757.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/20/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.82 | 0.54 |  |  |  |  |  |  |  | xxxxxx | $131204.13 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 86.71 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838246 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4019.00 | $5429.09 | xxxxxx | 9.653% | $1630.23 | $1630.23 | 9.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9248.72 | 1 | xxxxxx | $2220.96 | xxxxxx | $185.08 |  |  |  |  |  | 34.247% | 34.247% | 34.247% | 05/16/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2008 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4019.00 | xxxxxx | 6.800% | $0.00 | 1 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1431.79 |  | No |  |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.250% | xxxxxx | xxxxxx | $1572.20 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 46.41 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838295 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $699.21 | $699.21 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1899.96 | xxxxxx | $158.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/13/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 53.84 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838324 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1682.84 | $1682.84 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $367.68 | xxxxxx | $30.64 | xxxxxx |  | $65.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/25/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.05 |  |  |  |  |  |  |  | xxxxxx | $23183.89 | 7.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 7.7 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838333 | xxxxxx | N/A |  |  | xxxxxx | No | No | $12216.56 | $14440.41 | xxxxxx | 7.726% | $2709.17 | $2709.17 | 7.375% | No | No | Employed | Self-Employed | Employed | Employed | 4.19 | 6.04 | Permanent Resident Alien | Permanent Resident Alien | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | xxxxxx | xxxxxx | $24182.91 | 1 | xxxxxx | $2556.96 | xxxxxx | $213.08 | xxxxxx |  | $1200.00 |  | Annually | 31.189% | 31.189% | 31.189% | 04/26/2025 | 808 | 796 | 816 | 774 |  | 812 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 38.000% |  | 33.300% |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12216.56 | xxxxxx | 6.870% | $5400.00 | 1.2 |  |  |  | Yes | No | 7.375% | 2 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $345875.07 | 66.130% | No | 29 |  | 28 |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | Resident Alien Card | Resident Alien Card | VISA | Employment Authorization |  | 45.61 |  | No | No | xxxxxx | $6628.01 | $10000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838357 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2620.46 | $2620.46 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1326.00 | xxxxxx | $110.50 | xxxxxx |  | $1214.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/17/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.7 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $299725.41 | 56.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 31.88 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838371 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2982.07 | $2982.07 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1584.84 | xxxxxx | $132.07 | xxxxxx |  | $14.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/19/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $241402.69 | 43.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.34 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838384 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2952.64 | $2952.64 | 7.375% | No | No |  |  |  |  |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  |  | 3 | xxxxxx | $2414.04 | xxxxxx | $201.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/03/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 13.34 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838433 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $733.76 | $733.76 | 8.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $755.04 | xxxxxx | $62.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/16/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.7 | 0.37 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 94.1 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838664 | xxxxxx | N/A |  |  | xxxxxx | No | No | $6621.10 | $8265.14 | xxxxxx | 9.183% | $1205.57 | $1205.57 | 8.625% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $5391.99 | 1 | xxxxxx | $1137.96 | xxxxxx | $94.83 |  |  |  |  |  | 45.603% | 45.603% | 45.603% | 06/12/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $6621.10 | xxxxxx | 6.930% | $0.00 |  |  |  |  | N/A | No | 8.625% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 5.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $2120.46 |  | No |  | 24 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 4.875% | xxxxxx | xxxxxx | $1256.87 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 48.15 |  | No | No | xxxxxx | $0.00 | $2431.73 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838668 | xxxxxx | N/A |  |  | xxxxxx | No | No | $14586.80 | $7651.18 | xxxxxx | 7.844% | $2032.83 | $2601.76 | 7.625% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $95576.84 | 1 | xxxxxx | $8660.28 | xxxxxx | $721.69 | xxxxxx | xxxxxx | $6240.00 |  | Annually | 8.492% | 7.947% | 8.492% | 05/29/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14586.80 | xxxxxx | 6.920% | $6000.00 | 3.5 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $91176.14 | 22.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 41.58 |  | No | No | xxxxxx | $104446.19 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838697 | xxxxxx | N/A |  |  | xxxxxx | No | No | $7152.50 | $5648.23 | xxxxxx | 8.240% | $1196.36 | $1196.36 | 7.875% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $15857.09 | 1 | xxxxxx | $579.96 | xxxxxx | $48.33 | xxxxxx | xxxxxx | $670.00 |  | Monthly | 34.532% | 34.532% | 34.532% | 05/27/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2020 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 0 | 0 | No | xxxxxx | xxxxxx | $7152.50 | xxxxxx | 6.770% | $0.00 |  |  |  |  | No | No | 7.875% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $146924.51 | 66.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 88.55 |  | No | No | xxxxxx | $0.00 | $24221.06 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838763 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3283.52 | $3283.52 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2565.96 | xxxxxx | $213.83 | xxxxxx |  | $352.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/08/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1 |  |  |  |  |  |  | 240 | xxxxxx | $10337.81 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 7.22 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838774 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10319.81 | $13526.80 | xxxxxx | 9.014% | $3811.56 | $3811.56 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11485.77 | 1 | xxxxxx | $2406.96 | xxxxxx | $200.58 |  |  |  |  |  | 32.729% | 32.729% | 32.729% | 06/06/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10319.81 | xxxxxx | 6.930% | $17100.00 | 1 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $3249.42 | 0.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.95 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838779 | xxxxxx | N/A |  |  | xxxxxx | No | No | $10440.00 | $11804.17 | xxxxxx | 10.586% | $1736.70 | $1736.70 | 9.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18524.90 | 1 | xxxxxx | $1928.88 | xxxxxx | $160.74 |  |  |  |  |  | 43.082% | 43.082% | 43.082% | 04/29/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10440.00 | xxxxxx | 6.930% | $0.00 | 2.4 |  |  |  | No | No | 9.875% | 1 |  | 1 | 0 | 2 | 1 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.042% | xxxxxx | xxxxxx | $2193.55 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 40.04 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838795 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $9637.35 | $9637.35 | 7.560% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2376.12 | xxxxxx | $198.01 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.560% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 62.8 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838807 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1683.59 | $1683.59 | 8.620% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2816.76 | xxxxxx | $234.73 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/22/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 7 |  | xxxxxx | 1 | 196.92 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.620% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  | 240 | xxxxxx | $3032.86 | 0.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 9.27 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838852 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1566.15 | $1566.15 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2407.68 | xxxxxx | $200.64 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $67260.23 | 24.910% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 2.67 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838942 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4445.67 | $4445.67 | 8.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2838.00 | xxxxxx | $236.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/07/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $52848.87 | 7.090% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 7.52 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839353 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1985.13 | $1985.13 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2100.00 | xxxxxx | $175.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/15/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.27 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839354 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4406.50 | $7849.89 | xxxxxx | 8.238% | $4547.80 | $4547.80 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $37060.81 | 1 | xxxxxx | $7926.96 | xxxxxx | $660.58 |  |  |  |  |  | 31.329% | 31.329% | 31.329% | 05/27/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4406.50 | xxxxxx | 6.930% | $0.00 | 2.6 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 95.91 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839359 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1264.34 | $1264.34 | 7.875% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1816.08 | xxxxxx | $151.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/06/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $560426.61 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 282.21 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839360 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $735.95 | $735.95 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $915.00 | xxxxxx | $76.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/02/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.66 |  |  |  |  |  |  |  | xxxxxx | $59404.90 | 40.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.97 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839442 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2341.80 | $3258.16 | xxxxxx | 11.176% | $1104.03 | $1104.03 | 10.875% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $4826.68 | 1 | xxxxxx | $814.08 | xxxxxx | $67.84 |  |  |  |  |  | 43.916% | 43.916% | 43.916% | 06/18/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 31.000% |  | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2341.80 | xxxxxx | 6.930% | $0.00 | 1 |  |  |  | N/A | No | 10.875% | 2 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $1297.96 |  | No | 30 |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.750% | xxxxxx | xxxxxx | $1677.83 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 13.58 |  |  | No | xxxxxx | $2659.82 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839450 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $0.00 | $1424.38 | xxxxxx | 9.178% | $1634.75 | $1634.75 | 9.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7911.66 | 1 | xxxxxx | $1008.96 | xxxxxx | $84.08 |  |  |  |  |  | 45.168% | 45.168% | 45.168% | 05/30/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  | xxxxxx | 6.170% | $0.00 | 2.6 |  |  |  | No | No | 9.125% | 2 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.250% | xxxxxx | xxxxxx | $2312.17 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.08 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839458 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1362.19 | $1362.19 | 8.210% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $971.04 | xxxxxx | $80.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/14/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.210% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $3883.57 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 33.15 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839477 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2713.23 | $2713.23 | 7.625% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $6896.28 | xxxxxx | $574.69 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/28/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.72 | 1.4 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 13.44 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839528 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2083.55 | $2083.55 | 8.375% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1465.08 | xxxxxx | $122.09 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.18 |  |  |  |  |  |  |  | xxxxxx | $139756.76 | 38.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.51 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839531 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $670.74 | $670.74 | 6.999% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1550.64 | xxxxxx | $129.22 | xxxxxx |  | $1440.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/09/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.3 |  |  |  | No | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.87 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 95.78 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839533 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2555.00 | $8151.80 | xxxxxx | 7.205% | $5204.48 | $5204.48 | 7.125% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $37391.80 | 1 | xxxxxx | $1134.96 | xxxxxx | $94.58 | xxxxxx |  | $979.00 |  | Monthly | 32.331% | 32.331% | 32.331% | 05/29/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2555.00 | xxxxxx | 6.920% | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $184476.21 | 17.910% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 13.72 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839556 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3109.23 | $3109.23 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $5976.96 | xxxxxx | $498.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/02/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | xxxxxx | $56474.69 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 52.76 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839563 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1088.95 | $1088.95 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $488.16 | xxxxxx | $40.68 | xxxxxx |  | $402.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/31/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 84.48 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839578 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3496.09 | $3496.09 | 7.750% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1833.96 | xxxxxx | $152.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $753981.80 | 66.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.18 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839617 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5758.00 | $6075.38 | xxxxxx | 7.779% | $2037.88 | $2037.88 | 7.625% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $4740.37 | 1 | xxxxxx | $2518.08 | xxxxxx | $209.84 |  |  |  |  |  | 39.677% | 39.677% | 39.677% | 05/23/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 62.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5758.00 | xxxxxx | 6.920% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 2 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 12.11 |  |  | No | xxxxxx | $0.00 | $3000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839631 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15693.30 | $18331.64 |  | 8.275% | $3415.45 | $3415.45 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7473.10 | 1 | xxxxxx | $594.96 | xxxxxx | $49.58 |  |  |  |  |  | 35.471% | 35.471% | 35.471% | 05/15/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15693.30 |  | 6.670% | $15000.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $57306.60 | 9.720% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.46 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839632 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2899.25 | $2899.25 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1557.00 | xxxxxx | $129.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/08/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 120.32 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839636 | xxxxxx | N/A |  |  | xxxxxx | No | No | $4802.75 | $14641.57 |  | 10.411% | $2767.86 | $2767.86 | 9.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $48358.68 | 2 | xxxxxx | $4586.52 | xxxxxx | $382.21 |  |  |  |  |  | 14.679% | 14.679% | 14.679% | 05/06/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4802.75 |  | 6.800% | $0.00 |  |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 1.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.75 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839637 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2973.11 | $2973.11 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $971.04 | xxxxxx | $80.92 | xxxxxx |  | $778.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/21/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.65 | 1.54 |  |  |  |  |  |  |  | xxxxxx | $46512.64 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.72 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839647 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5855.00 | $6940.08 | xxxxxx | 8.999% | $950.09 | $950.09 | 8.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4151.28 | 1 | xxxxxx | $1968.36 | xxxxxx | $164.03 |  |  |  |  |  | 42.957% | 42.957% | 42.957% | 05/27/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5855.00 | xxxxxx | 6.920% | $0.00 |  |  |  |  | N/A | No | 8.375% | 2 |  | 0 | 0 | 5 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.250% | xxxxxx | xxxxxx | $848.65 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 54.79 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839670 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1359.39 | $1359.39 | 7.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2687.28 | xxxxxx | $223.94 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/02/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 7 |  | xxxxxx | 1 | 184.8 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.73 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 200.66 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839679 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $18712.44 | $21326.04 | xxxxxx | 8.135% | $6058.84 | $6058.84 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $34973.07 | 1 | xxxxxx | $3410.04 | xxxxxx | $284.17 | xxxxxx | xxxxxx | $1572.00 |  | Annually | 33.256% | 33.256% | 33.256% | 05/01/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18712.44 | xxxxxx | 6.920% | $6000.00 | 1.4 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $176841.62 | 19.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.99 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839767 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1470.00 | $2446.33 | xxxxxx | 8.643% | $10247.38 | $10247.38 | 8.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $66763.43 | 1 | xxxxxx | $5588.64 | xxxxxx | $465.72 | xxxxxx | xxxxxx | $461.00 |  | Monthly | 19.884% | 19.884% | 19.884% | 05/27/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1470.00 | xxxxxx | 6.890% | $0.00 | 1.9 |  |  |  | N/A | No | 8.625% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $828298.45 | 53.430% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.09 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839772 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2491.13 | $2491.13 | 8.000% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1571.88 | xxxxxx | $130.99 | xxxxxx |  | $549.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.2 |  |  |  | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.04 |  |  |  |  |  |  |  | xxxxxx | $200130.00 | 41.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.26 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839780 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $920.32 | $920.32 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $885.00 | xxxxxx | $73.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/03/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 88.23 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839782 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7635.00 | $8111.75 | xxxxxx | 10.072% | $1835.98 | $1835.98 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4909.38 | 1 | xxxxxx | $2181.96 | xxxxxx | $181.83 |  |  |  |  |  | 38.853% | 38.853% | 38.853% | 04/24/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7635.00 | xxxxxx | 6.880% | $4000.00 |  |  |  |  | N/A | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $7583.55 | 3.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.77 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839800 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1714.77 | $1714.77 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1248.96 | xxxxxx | $104.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/01/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.78 |  |  |  |  |  |  |  | xxxxxx | $177925.60 | 51.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.53 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839803 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1371.69 | $1371.69 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1478.04 | xxxxxx | $123.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $354484.06 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 206.42 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839804 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1258.59 | $1258.59 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1100.04 | xxxxxx | $91.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/21/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 114.09 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839805 | xxxxxx | N/A |  |  | xxxxxx | No | No | $5464.00 | $7094.37 |  | 8.281% | $1327.95 | $1327.95 | 7.500% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4226.02 | 1 | xxxxxx | $1828.20 | xxxxxx | $152.35 |  |  |  |  |  | 43.653% | 43.653% | 43.653% | 05/12/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5464.00 |  | 6.090% | $0.00 |  | DU |  | ApproveEligible | N/A | No | 7.500% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 73.81 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839808 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1140.11 | $1140.11 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1409.04 | xxxxxx | $117.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/02/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.9 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 95 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839841 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2622.05 | $2622.05 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $962.04 | xxxxxx | $80.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/24/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 160.29 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839856 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1088.15 | $1088.15 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1497.96 | xxxxxx | $124.83 | xxxxxx |  | $3420.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/20/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $5640.17 | 2.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.28 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839876 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $985.31 | $985.31 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1397.04 | xxxxxx | $116.42 | xxxxxx |  | $40.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/23/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $217227.06 | 74.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 43.88 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839879 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2851.07 | $2851.07 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $720.96 | xxxxxx | $60.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/12/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $611886.47 | 98.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 130.87 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 839971 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $30245.00 | $35134.82 |  | 7.872% | $6992.15 | $6992.15 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14562.65 | 4 | xxxxxx | $5565.96 | xxxxxx | $463.83 |  |  |  |  |  | 41.423% | 41.423% | 41.423% | 03/19/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $30245.00 | xxxxxx | 6.830% | $63072.00 |  |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $14490.35 | 1.150% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.01 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839989 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3260.71 | $3260.71 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1695.00 | xxxxxx | $141.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/14/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 43.28 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840002 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5832.61 | $5832.61 | 7.250% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1284.00 | xxxxxx | $107.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | xxxxxx | $391454.92 | 34.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 15.69 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840017 | xxxxxx | N/A |  |  | xxxxxx | No | No | $7135.00 | $8745.51 | xxxxxx | 8.171% | $2030.19 | $2030.19 | 7.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9139.40 | 1 | xxxxxx | $2483.64 | xxxxxx | $206.97 | xxxxxx | xxxxxx | $629.00 |  | Monthly | 40.478% | 40.478% | 40.478% | 04/03/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7135.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 2 |  | 2 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $846424.67 | 100.000% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 233.75 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840025 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $2905.81 | $3738.57 | xxxxxx | 8.589% | $1282.43 | $1282.43 | 8.375% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $6947.81 | 1 | xxxxxx | $2889.60 | xxxxxx | $240.80 | xxxxxx | xxxxxx | $650.00 |  | Annually | 47.523% | 47.523% | 47.523% | 06/06/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 72 | Business | 44.000% |  | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2905.81 | xxxxxx | 6.670% | $0.00 | 1 |  |  |  | No | No | 8.375% | 2 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $226131.01 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 83.89 |  | Yes | No | xxxxxx | $5789.78 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840067 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1690.00 | $1865.69 | xxxxxx | 8.297% | $3380.70 | $3380.70 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12803.11 | 1 | xxxxxx | $4665.00 | xxxxxx | $388.75 |  |  |  |  |  | 43.330% | 43.330% | 43.330% | 05/30/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $1690.00 | xxxxxx | 6.880% | $0.00 | 1.1 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.02 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840145 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1477.73 | $1477.73 | 7.125% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $954.12 | xxxxxx | $79.51 | xxxxxx |  | $56.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $134654.10 | 42.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.69 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840157 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3612.34 | $3612.34 | 7.625% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $9862.56 | xxxxxx | $821.88 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/04/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | xxxxxx | $20000.00 | 2.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 247.87 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840226 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2976.00 | $5416.36 | xxxxxx | 7.570% | $3341.77 | $3341.77 | 7.490% | No | Yes | Not Employed | Employed |  |  |  |  | Permanent Resident Alien | xxxxxx |  |  |  |  |  |  | $13312.36 | 4 | xxxxxx | $6018.48 | xxxxxx | $501.54 |  |  |  |  |  | 51.086% | 51.086% | 51.086% | 04/16/2024 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $2976.00 | xxxxxx | 7.190% | $10000.00 |  | DU |  | ApproveEligible | No | No | 7.490% | 0 | 2 | 0 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $491420.18 | 82.170% | No |  | 28 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 76.87 |  | No | No | xxxxxx | $0.00 | $27215.98 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840227 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7906.41 | $9532.80 | xxxxxx | 7.975% | $2451.84 | $2451.84 | 7.490% | No | Yes | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $9832.97 | 1 | xxxxxx | $1981.20 | xxxxxx | $165.10 | xxxxxx |  | $727.00 |  | Monthly | 43.901% | 43.901% | 43.901% | 11/06/2024 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | Chapter 7 |  | xxxxxx | 1 | 41.16 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7906.41 | xxxxxx | 6.880% | $0.00 | 1 | DU |  | ReferWithCaution | Yes | No | 7.490% | 0 | 2 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $278818.87 | 71.490% | No | 0 | 34 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 56.21 |  | No | No | xxxxxx | $0.00 | $11027.96 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840229 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1995.00 | $3098.01 | xxxxxx | 9.491% | $1014.27 | $1014.27 | 9.000% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $7631.48 | 1 | xxxxxx | $1020.00 | xxxxxx | $85.00 |  |  |  |  |  | 39.205% | 39.205% | 39.205% | 09/09/2024 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1995.00 | xxxxxx | 5.810% | $0.00 | 1 |  |  |  | No | No | 9.000% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 23 | 29 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 3.000% | xxxxxx | xxxxxx | $1336.48 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 33.85 |  |  | No | xxxxxx | $0.00 | $8507.85 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840230 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11360.00 | $14506.20 | xxxxxx | 7.620% | $6250.00 | $8055.93 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $28215.71 | 1 | xxxxxx | $2400.00 | xxxxxx | $200.00 | xxxxxx |  | $13.00 |  | Monthly | 38.959% | 35.052% | 38.959% | 06/09/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11360.00 | xxxxxx | 6.770% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | Yes | 109.76 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840238 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2933.44 | $2933.44 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $711.96 | xxxxxx | $59.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/05/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  | 240 | xxxxxx | $142367.88 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 40.61 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840274 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1577.03 | $1577.03 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1236.96 | xxxxxx | $103.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/19/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.06 |  |  |  |  |  |  |  | xxxxxx | $29480.92 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.94 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840305 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3249.91 | $3249.91 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2785.92 | xxxxxx | $232.16 | xxxxxx |  | $410.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/06/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.13 |  |  |  |  |  |  | 240 | xxxxxx | $268196.71 | 36.700% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.31 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840307 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4782.05 | $4782.05 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3519.00 | xxxxxx | $293.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/07/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.32 |  |  |  |  |  |  |  | xxxxxx | $302670.27 | 34.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 5.92 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840313 | xxxxxx | N/A |  |  | xxxxxx | No | No | $12917.23 | $9276.12 | xxxxxx | 8.949% | $1314.16 | $1314.16 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22736.57 | 1 | xxxxxx | $639.00 | xxxxxx | $53.25 | xxxxxx | xxxxxx | $400.00 |  | Monthly | 38.291% | 38.291% | 38.291% | 04/23/2025 | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12917.23 | xxxxxx | 6.670% | $0.00 | 2.6 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5445.62 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 33.05 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840316 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $0.00 | ($899.64) | xxxxxx | 7.755% | $6170.46 | $6170.46 | 7.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9749.84 | 1 | xxxxxx | $3307.20 | xxxxxx | $275.60 |  |  |  |  |  | 46.031% | 46.031% | 46.031% | 04/18/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  | xxxxxx | 6.830% | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $943.00 |  | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840320 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $877.58 | $877.58 | 8.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3031.56 | xxxxxx | $252.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/06/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.77 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 92.17 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840332 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $699.21 | $699.21 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1046.04 | xxxxxx | $87.17 | xxxxxx |  | $4560.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/28/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.78 |  |  |  |  |  |  |  | xxxxxx | $10000.00 | 6.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 12.3 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840340 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1368.14 | $1368.14 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1760.28 | xxxxxx | $146.69 | xxxxxx |  | $568.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/15/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.04 |  |  |  |  |  |  |  | xxxxxx | $34514.32 | 14.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.86 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840341 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5520.00 | $8667.25 | xxxxxx | 7.241% | $3718.93 | $3718.93 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11662.41 | 1 | xxxxxx | $2207.04 | xxxxxx | $183.92 | xxxxxx | xxxxxx | $902.00 |  | Annually | 28.444% | 28.444% | 28.444% | 05/11/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5520.00 | xxxxxx | 6.890% | $1500.00 | 1.5 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $319161.25 | 46.250% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.8 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840344 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9774.95 | $13933.95 | xxxxxx | 8.711% | $4544.90 | $5371.51 | 9.301% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $27136.27 | 1 | xxxxxx | $4248.96 | xxxxxx | $354.08 | xxxxxx | xxxxxx | $695.00 |  | Monthly | 30.649% | 30.654% | 30.649% | 06/12/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9774.95 | xxxxxx | 6.790% | $0.00 |  |  |  |  | N/A | No | 9.301% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $2271552.87 | 75.540% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 2.13 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840346 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9427.50 | $11467.54 | xxxxxx | 8.061% | $2507.44 | $2507.44 | 7.750% | No | No | Not Employed | Non-Employment Income |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $13055.44 | 1 | xxxxxx | $6213.84 | xxxxxx | $517.82 |  |  |  |  |  | 38.449% | 38.449% | 38.449% | 06/10/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9427.50 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  | xxxxxx | $1839684.44 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 576.59 |  | No | No | xxxxxx | $21210.63 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840400 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1595.46 | $1595.46 | 7.375% | No | No |  |  |  |  | 0 |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  | 1 | xxxxxx | $888.00 | xxxxxx | $74.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/27/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $9961.51 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 3.08 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840401 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $5175.49 | $8578.37 |  | 8.544% | $3659.75 | $3659.75 | 8.375% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $10112.10 | 1 | xxxxxx | $1255.20 | xxxxxx | $104.60 |  |  |  |  |  | 36.301% | 36.301% | 36.301% | 06/10/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5175.49 |  | 6.670% | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $5000.00 | 0.930% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 14.15 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840419 | xxxxxx | N/A |  |  | xxxxxx | No | No | $7270.00 | $8245.55 | xxxxxx | 8.461% | $3155.32 | $3155.32 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22705.36 | 1 | xxxxxx | $2409.12 | xxxxxx | $200.76 |  |  |  |  |  | 32.027% | 32.027% | 32.027% | 06/06/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2024 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7270.00 | xxxxxx | 6.890% | $5000.00 |  |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $150947.46 | 28.750% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.1 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840420 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1848.96 | $1848.96 | 8.875% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1212.00 | xxxxxx | $101.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/28/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.09 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 110.66 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840422 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1581.25 | $1581.25 | 8.625% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $867.96 | xxxxxx | $72.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/28/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 314.39 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840426 | xxxxxx | N/A |  |  | xxxxxx | No | No | $52045.00 | $23587.32 | xxxxxx | 7.868% | $6936.38 | $6936.38 | 7.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14213.92 | 3 | xxxxxx | $3939.00 | xxxxxx | $328.25 |  |  |  |  |  | 50.987% | 50.987% | 50.987% | 07/02/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $52045.00 | xxxxxx | 6.790% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $17527.47 |  | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 73.67 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840435 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8722.24 | $11365.87 | xxxxxx | 8.724% | $4107.72 | $4107.72 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9976.52 | 1 | xxxxxx | $1141.20 | xxxxxx | $95.10 |  |  |  |  |  | 42.991% | 42.991% | 42.991% | 06/03/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available |  | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8722.24 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $53157.38 | 7.960% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.39 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840440 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $18150.00 | $5917.00 | xxxxxx | 7.550% | $4474.97 | $4474.97 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15934.35 | 1 | xxxxxx | $3138.96 | xxxxxx | $261.58 |  |  |  |  |  | 25.714% | 25.714% | 25.714% | 05/28/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18150.00 | xxxxxx | 6.890% | $1400.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $259994.10 | 32.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.51 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840453 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6216.08 | $6216.08 | 7.375% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | xxxxxx | xxxxxx |  |  |  | 1 | xxxxxx | $1656.00 | xxxxxx | $138.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/30/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $558463.05 | 46.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 34.14 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840456 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4793.03 | $4793.03 | 7.110% | No | No |  |  |  |  | 0 | 0 |  | xxxxxx |  | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $9711.36 | xxxxxx | $809.28 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.110% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | xxxxxx | $348156.81 | 36.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | 16.37 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840561 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $834.96 | $834.96 | 7.320% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1066.08 | xxxxxx | $88.84 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/14/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.320% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.66 |  |  |  |  |  |  |  | xxxxxx | $4696.68 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 59.64 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840563 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1164.28 | $1164.28 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1095.96 | xxxxxx | $91.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/11/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.65 | 0.6 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.15 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840572 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4292.12 | $4292.12 | 7.999% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1586.04 | xxxxxx | $132.17 | xxxxxx | xxxxxx | $175.00 |  | Annually | 0.000% | 0.000% | 0.000% |  | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 7 |  | xxxxxx | 1 | 156.84 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.1 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 119.24 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840576 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $710.41 | $710.41 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1023.00 | xxxxxx | $85.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/02/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.79 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 45.36 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840613 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6043.41 | $6043.41 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $4389.00 | xxxxxx | $365.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/11/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $7476.81 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 77.94 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840620 | xxxxxx | N/A |  |  | xxxxxx | No | No | $5905.00 | $9267.61 | xxxxxx | 10.258% | $2092.73 | $2092.73 | 9.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $139230.08 | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx |  | $235.00 |  | Monthly | 35.181% | 35.181% | 35.181% | 06/05/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5905.00 | xxxxxx | 6.890% | $0.00 | 1 |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $203877.47 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.518% | xxxxxx | xxxxxx | $1552.68 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 45.72 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840621 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2244.00 | $3073.66 | xxxxxx | 8.923% | $777.79 | $777.79 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5149.01 | 1 | xxxxxx | $2431.08 | xxxxxx | $202.59 |  |  |  |  |  | 44.054% | 44.054% | 44.054% | 06/06/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2244.00 | xxxxxx | 6.880% | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $3467.16 |  | No |  |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.125% | xxxxxx | xxxxxx | $923.15 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 46.26 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840651 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15324.00 | $21273.75 | xxxxxx | 8.324% | $3422.33 | $3422.33 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17821.56 | 1 | xxxxxx | $2312.76 | xxxxxx | $192.73 |  |  |  |  |  | 43.207% | 43.207% | 43.207% | 06/09/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| 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 - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15324.00 | xxxxxx | 6.880% | $7000.00 | 1.6 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $151461.44 | 25.670% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.69 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840688 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2798.85 | $2798.85 | 8.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1676.04 | xxxxxx | $139.67 | xxxxxx |  | $500.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/14/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.65 | 1.53 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 112.92 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840698 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2968.00 | $4119.36 | xxxxxx | 9.087% | $1656.93 | $1656.93 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3991.48 | 1 | xxxxxx | $476.28 | xxxxxx | $39.69 | xxxxxx |  | $230.00 |  | Monthly | 38.010% | 38.010% | 38.010% | 05/19/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2968.00 | xxxxxx | 6.890% | $32500.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $3560.00 | 1.450% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.88 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840712 | xxxxxx | N/A |  |  | xxxxxx | No | No | $13470.00 | $7536.87 | xxxxxx | 7.840% | $2066.76 | $2066.76 | 7.625% | No | No | Not Employed | Employed | Self-Employed |  | 2.9 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $6131.37 | 1 | xxxxxx | $2280.00 | xxxxxx | $190.00 |  |  |  |  |  | 47.726% | 47.726% | 47.726% | 06/13/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1040-ES - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Business License - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13470.00 | xxxxxx | 6.890% | $5000.00 | 1.8 |  |  |  | Yes | No | 7.625% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $110351.86 | 30.230% | No |  | 27 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 10.57 |  | No | No | xxxxxx | $393.88 | $9811.69 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840745 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6206.00 | $3794.70 | xxxxxx | 8.347% | $2028.42 | $2028.42 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4310.48 | 1 | xxxxxx | $1465.56 | xxxxxx | $122.13 |  |  |  |  |  | 46.705% | 46.705% | 46.705% | 06/12/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $6206.00 | xxxxxx | 6.870% | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 37.33 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840749 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3286.79 | $3286.79 | 8.250% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1431.96 | xxxxxx | $119.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/27/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.44 | 2.29 |  |  |  |  |  |  |  | xxxxxx | $318805.94 | 51.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 28.72 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840826 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7115.63 | $7115.63 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $461.04 | xxxxxx | $38.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/12/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.05 |  |  |  |  |  |  | 240 | xxxxxx | $393517.97 | 28.510% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 5.17 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840841 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2751.62 | $2751.62 | 8.000% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2199.96 | xxxxxx | $183.33 | xxxxxx |  | $1953.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/03/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $168195.54 | 33.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 3.85 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840859 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7164.12 | $7164.12 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $7886.04 | xxxxxx | $657.17 | xxxxxx |  | $105.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/22/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.53 | 1.89 |  |  |  |  |  |  |  | xxxxxx | $22571.49 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | 102.06 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840888 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4246.76 | $4246.76 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3366.84 | xxxxxx | $280.57 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.83 | 0.54 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 112.12 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840910 | xxxxxx | N/A |  |  | xxxxxx | No | No | $1995.00 | $6215.16 |  | 7.671% | $4706.83 | $4706.83 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25083.23 | 1 | xxxxxx | $1152.96 | xxxxxx | $96.08 |  |  |  |  |  | 41.729% | 41.729% | 41.729% | 06/17/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1995.00 |  | 6.670% | $0.00 | 1.5 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $40558.86 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 131.56 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840920 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1707.54 | $1707.54 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1462.08 | xxxxxx | $121.84 | xxxxxx |  | $175.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/17/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $2197.54 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.6 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840938 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5820.00 | $10258.15 | xxxxxx | 9.794% | $4249.95 | $4249.95 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $54449.80 | 1 | xxxxxx | $5360.04 | xxxxxx | $446.67 |  |  |  |  |  | 30.661% | 30.661% | 30.661% | 05/14/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 99.000% |  |  | [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5820.00 | xxxxxx | 6.890% | $0.00 |  |  |  |  | N/A | No | 9.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $61517.11 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.875% | xxxxxx | xxxxxx | $4138.09 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 55.19 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840980 | xxxxxx | N/A |  |  | xxxxxx | No | No | $8477.00 | $10224.63 | xxxxxx | 7.880% | $1762.02 | $1762.02 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4815.89 | 1 | xxxxxx | $2116.68 | xxxxxx | $176.39 |  |  |  |  |  | 47.809% | 47.809% | 47.809% | 06/04/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 14.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8477.00 | xxxxxx | 6.890% | $4600.00 | 3 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $254146.94 | 80.680% | No | 1 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 75.04 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840981 | xxxxxx | N/A |  |  | xxxxxx | No | No | $19790.00 | $6366.00 | xxxxxx | 7.560% | $4195.29 | $4195.29 | 7.500% | No | No | Not Employed | Employed | Self-Employed |  | 3.86 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $6574.47 | 1 | xxxxxx | $7538.40 | xxxxxx | $628.20 |  |  |  |  |  | 49.238% | 49.238% | 49.238% | 06/09/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - 2020<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - 2020<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - 2020<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - 2014<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - 2014<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19790.00 | xxxxxx | 6.890% | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $163481.70 | 21.790% | No |  | 28 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 28.16 |  | No | No | xxxxxx | $5349.15 | $7602.40 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840988 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3798.72 | $3798.72 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1581.00 | xxxxxx | $131.75 | xxxxxx |  | $774.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/04/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $566349.94 | 56.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.63 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840998 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5708.53 | $5708.53 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $963.96 | xxxxxx | $80.33 | xxxxxx |  | $681.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/17/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.68 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 107.13 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841016 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7286.84 | $5340.24 | xxxxxx | 8.049% | $2099.74 | $2099.74 | 7.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $18330.81 | 1 | xxxxxx | $789.00 | xxxxxx | $65.75 | xxxxxx |  | $190.00 |  | Monthly | 13.388% | 13.388% | 13.388% | 06/03/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7286.84 | xxxxxx | 6.770% | $14399.60 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $52797.91 | 14.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 10.18 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841024 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1500.79 | $1500.79 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1371.96 | xxxxxx | $114.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/28/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 122.84 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841028 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1291.77 | $1291.77 | 8.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1734.96 | xxxxxx | $144.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/18/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $172376.04 | 82.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 97.69 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841036 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5185.00 | $11858.23 | xxxxxx | 7.682% | $3999.51 | $3999.51 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $6528.13 | 1 | xxxxxx | $1047.00 | xxxxxx | $87.25 |  |  |  |  |  | 44.712% | 44.712% | 44.712% | 05/08/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5185.00 | xxxxxx | 6.830% | $0.00 | 1.3 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $181486.51 | 25.380% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization, Passport |  |  |  |  | 4.68 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841046 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $14760.00 | $19192.82 | xxxxxx | 8.182% | $4314.17 | $4314.17 | 7.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6642.74 | 1 | xxxxxx | $1271.04 | xxxxxx | $105.92 |  |  |  |  |  | 44.179% | 44.179% | 44.179% | 06/18/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14760.00 | xxxxxx | 6.830% | $5000.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $20600.00 | 2.940% | No | 30 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.52 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841056 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2021.16 | $2021.16 | 7.125% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1913.16 | xxxxxx | $159.43 | xxxxxx |  | $200.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/05/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $185825.46 | 41.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.35 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841071 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1132.52 | $1132.52 | 7.625% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $997.80 | xxxxxx | $83.15 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/04/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 5 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $306238.38 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 176.09 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841072 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $930.42 | $930.42 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3155.04 | xxxxxx | $262.92 | xxxxxx |  | $15388.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/03/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  | 240 | xxxxxx | $296569.85 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 76.9 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841084 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1424.40 | $1424.40 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1359.60 | xxxxxx | $113.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/20/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $90647.61 | 38.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.08 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841102 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $32631.80 | $20252.00 | xxxxxx | 7.647% | $4696.59 | $4696.59 | 7.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $10205.32 | 1 | xxxxxx | $1133.04 | xxxxxx | $94.42 |  |  |  |  |  | 38.693% | 38.693% | 38.693% | 06/09/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $32631.80 | xxxxxx | 6.890% | $0.00 | 2 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $2170.92 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 11.93 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841128 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $26403.00 | $29632.79 | xxxxxx | 7.821% | $10135.61 | $10135.61 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22003.81 | 1 | xxxxxx | $5004.24 | xxxxxx | $417.02 |  |  |  |  |  | 37.329% | 37.329% | 37.329% | 07/10/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $26403.00 | xxxxxx | 6.890% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $150172.70 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 77.96 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841192 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2290.92 | $2290.92 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2322.00 | xxxxxx | $193.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.15 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.29 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841245 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2824.86 | $2824.86 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1722.60 | xxxxxx | $143.55 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/04/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $58535.75 | 9.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 49.79 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841264 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2052.28 | $2918.80 | xxxxxx | 10.038% | $881.61 | $881.61 | 9.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5017.80 | 1 | xxxxxx | $1907.16 | xxxxxx | $158.93 |  |  |  |  |  | 45.216% | 45.216% | 45.216% | 06/23/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2052.28 | xxxxxx | 6.670% | $0.00 |  |  |  |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $2266.04 |  | No |  |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 6.990% | xxxxxx | xxxxxx | $1662.91 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.37 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841266 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2343.75 | $2343.75 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $332.04 | xxxxxx | $27.67 | xxxxxx |  | $133.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/27/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.75 |  |  |  |  |  |  | 240 | xxxxxx | $11600.16 | 2.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.26 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841275 | xxxxxx | N/A |  |  | xxxxxx | No | No | $38872.00 | $15237.17 | xxxxxx | 7.764% | $6370.14 | $6370.14 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $106797.47 | 4 | xxxxxx | $6763.68 | xxxxxx | $563.64 |  |  |  |  |  | 9.911% | 9.911% | 9.911% | 03/19/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $38872.00 | xxxxxx | 6.830% | $0.00 |  |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $106334.74 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 56.95 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841278 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5583.03 | $5583.03 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $374.04 | xxxxxx | $31.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.08 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 65.9 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841279 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $32319.00 | $39396.36 | xxxxxx | 7.680% | $13984.28 | $13984.28 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $37208.08 | 3 | xxxxxx | $5283.00 | xxxxxx | $440.25 |  |  |  |  |  | 40.898% | 40.898% | 40.898% | 04/24/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2012<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $32319.00 | xxxxxx | 6.830% | $0.00 |  |  |  |  | No | No | 7.500% | 1 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 30 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.57 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841281 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2900.84 | $2900.84 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3426.24 | xxxxxx | $285.52 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/23/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.68 | 1.48 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.96 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841296 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2430.64 | $2430.64 | 6.875% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1269.00 | xxxxxx | $105.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/15/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.58 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841298 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2540.67 | $2540.67 | 6.875% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1238.04 | xxxxxx | $103.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/15/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.04 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841320 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2047.16 | $2047.16 | 7.580% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2739.00 | xxxxxx | $228.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 11 | 64.68 | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.580% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 272.51 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841328 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1433.39 | $1433.39 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $534.96 | xxxxxx | $44.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $601073.24 | 100.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 287.4 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841341 | xxxxxx | N/A |  |  | xxxxxx | No | No | $12687.00 | $4347.83 | xxxxxx | 7.849% | $2378.49 | $2378.49 | 7.750% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7639.72 | 1 | xxxxxx | $3389.28 | xxxxxx | $282.44 | xxxxxx |  | $2168.00 |  | Annually | 32.548% | 32.548% | 32.548% | 03/31/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12687.00 | xxxxxx | 6.670% | $10000.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $822984.38 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 236.73 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841536 | xxxxxx | N/A |  |  | xxxxxx | No | No | $21325.92 | $8865.12 |  | 8.179% | $3815.21 | $3815.21 | 7.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11764.46 | 1 | xxxxxx | $1623.00 | xxxxxx | $135.25 |  |  |  |  |  | 43.044% | 43.044% | 43.044% | 04/08/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21325.92 |  | 6.670% | $0.00 | 1 |  |  |  | Yes | No | 7.999% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $49343.86 | 7.590% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.04 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841540 | xxxxxx | N/A |  |  | xxxxxx | No | No | $16558.90 | $8460.98 | xxxxxx | 8.326% | $2055.09 | $2055.09 | 8.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13944.47 | 3 | xxxxxx | $1181.52 | xxxxxx | $98.46 |  |  |  |  |  | 35.191% | 35.191% | 35.191% | 05/05/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $16558.90 | xxxxxx | 6.890% | $6590.00 |  |  |  |  | N/A | No | 8.000% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $202805.84 | 61.540% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 59.85 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841566 | xxxxxx | N/A |  |  | xxxxxx | No | No | $15152.60 | $5997.79 | xxxxxx | 8.695% | $2565.10 | $2565.10 | 8.500% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $56906.20 | 1 | xxxxxx | $765.96 | xxxxxx | $63.83 | xxxxxx | xxxxxx | $174.00 |  | Monthly | 20.038% | 20.038% | 20.038% | 05/06/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15152.60 | xxxxxx | 6.770% | $11045.65 | 1 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $98418.66 | 23.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 5.44 |  | No | No | xxxxxx | $71166.76 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841569 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1926.98 | $1926.98 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $816.00 | xxxxxx | $68.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/19/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $345995.61 | 83.170% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 82.58 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841575 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3312.50 | $3340.26 | xxxxxx | 6.925% | $5058.35 | $5058.35 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10932.76 | 1 | xxxxxx | $1832.04 | xxxxxx | $152.67 |  |  |  |  |  | 34.408% | 34.408% | 34.408% | 07/28/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3312.50 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 14.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 132.02 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841579 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2412.29 | $2412.29 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1616.04 | xxxxxx | $134.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $482779.84 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 115.39 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841587 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8281.19 | $8281.19 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $9445.08 | xxxxxx | $787.09 | xxxxxx |  | $416.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/29/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.74 | 1.33 |  |  |  |  |  |  |  | xxxxxx | $1042334.14 | 62.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 53.85 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841617 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1864.82 | $1864.82 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2040.96 | xxxxxx | $170.08 | xxxxxx |  | $394.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/20/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $3000.00 | 0.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 48.86 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841637 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $0.00 |  | xxxxxx | 6.472% | $2327.26 | $2327.26 | 6.500% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $4853.34 | 1 | xxxxxx | $912.00 | xxxxxx | $76.00 | xxxxxx | xxxxxx | $1176.00 |  | Annually | 49.596% | 49.596% | 49.596% | 02/01/2024 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Non-Primary Income - Annuity]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2021<br> [Borrower - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  | xxxxxx | 6.710% | $0.00 | 1 | DU |  | ApproveEligible | No | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $127113.82 | 25.890% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 1.42 |  |  | No | xxxxxx | $7210.58 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841638 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3801.00 | $2502.45 | xxxxxx | 7.052% | $7695.60 | $8958.76 | 6.375% | No | Yes | Employed | Non-Employment Income |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $16404.55 | 1 | xxxxxx | $2097.12 | xxxxxx | $174.76 | xxxxxx | xxxxxx | $450.00 |  | Monthly | 44.967% | 40.730% | 44.967% | 08/18/2024 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Pension]; Account Statements - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3801.00 | xxxxxx | 7.000% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | 7.892% | 2 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $463131.03 | 30.030% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | Yes | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 13.8 |  | No | No | xxxxxx | $16425.78 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841639 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $74.33 | $15.00 | xxxxxx | 6.348% | $5883.95 | $5883.95 | 6.375% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | xxxxxx |  |  |  |  |  |  | $15562.00 | 1 | xxxxxx | $2656.92 | xxxxxx | $221.41 | xxxxxx | xxxxxx | $350.00 |  | Monthly | 42.812% | 42.812% | 42.812% | 10/09/2024 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $74.33 | xxxxxx | 6.780% | $0.00 | 2.9 | DU |  | ApproveEligible | No | No | 6.375% | 1 | 1 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $899937.99 | 51.180% | No | 16 | 26 |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.79 |  | Yes | No | xxxxxx | $0.00 | $5566.67 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841640 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $0.00 |  | xxxxxx | 6.840% | $7313.37 | $8285.07 | 6.250% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $10896.23 | 1 | xxxxxx | $2142.00 | xxxxxx | $178.50 |  |  |  |  |  | 47.881% | 43.233% | 47.881% | 10/15/2024 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  | xxxxxx | 6.960% | $0.00 | 1.9 | DU |  | ApproveIneligible | No | No | 7.475% | 0 | 1 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $656444.64 | 44.210% | No |  |  |  |  | Yes | Short Form | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | Yes |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 35.71 |  | Yes | No | xxxxxx | $0.00 | $17985.81 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841643 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2678.03 | $2678.03 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3519.00 | xxxxxx | $293.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 84.91 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841650 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $75875.00 | $81841.35 | xxxxxx | 7.973% | $23572.92 | $29964.62 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $96943.81 | 1 | xxxxxx | $23279.64 | xxxxxx | $1939.97 |  |  |  |  |  | 42.745% | 38.970% | 42.745% | 06/09/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $75875.00 | xxxxxx | 6.790% | $0.00 | 1.9 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $332947.53 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841672 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9108.75 | $10486.92 | xxxxxx | 8.311% | $2458.11 | $2458.11 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13642.54 | 1 | xxxxxx | $5207.04 | xxxxxx | $433.92 |  |  |  |  |  | 38.207% | 38.207% | 38.207% | 06/27/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9108.75 | xxxxxx | 6.830% | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $30237.99 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 47.79 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841678 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1197.54 | $1197.54 | 7.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2187.00 | xxxxxx | $182.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/28/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 115.72 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841681 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2223.97 | $2223.97 | 7.375% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1741.56 | xxxxxx | $145.13 | xxxxxx |  | $1192.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | xxxxxx | $496005.67 | 90.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 76.26 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841752 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1957.80 | $1957.80 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $752.04 | xxxxxx | $62.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/30/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.76 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 121.36 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841770 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1895.00 | $28048.55 | xxxxxx | 6.837% | $12605.50 | $12605.50 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $47231.31 | 1 | xxxxxx | $1857.00 | xxxxxx | $154.75 |  |  |  |  |  | 54.185% | 54.185% | 54.185% | 02/18/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - Year Not Available | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1895.00 | xxxxxx | 6.650% | $0.00 | 3.9 | LP / LPA |  | Accept/Ineligible | No | No | 6.750% | 1 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $8665.59 | 0.330% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.29 |  | Yes | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841781 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $12562.50 | $8937.97 | xxxxxx | 8.101% | $3023.54 | $3023.54 | 7.875% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $17035.65 | 1 | xxxxxx | $2492.52 | xxxxxx | $207.71 | xxxxxx | xxxxxx | $800.00 |  | Annually | 46.838% | 46.838% | 46.838% | 06/30/2025 | 651 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 74.000% |  | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2013<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2013 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12562.50 | xxxxxx | 6.790% | $9291.78 | 1 |  |  |  | N/A | No | 7.875% | 1 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $455410.46 | 73.510% | No | 11 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 39.81 |  |  | No | xxxxxx | $23671.22 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841782 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4240.75 | $4240.75 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $4814.04 | xxxxxx | $401.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/21/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $113581.26 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 14.78 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841804 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2615.00 | $3842.22 | xxxxxx | 8.582% | $1402.33 | $1402.33 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11280.34 | 1 | xxxxxx | $3144.00 | xxxxxx | $262.00 |  |  |  |  |  | 32.726% | 32.726% | 32.726% | 06/20/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2615.00 | xxxxxx | 6.770% | $0.00 | 2.6 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $208198.46 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx |  | xxxxxx | xxxxxx | $2164.57 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 46.59 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841821 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1586.33 | $1586.33 | 7.750% | No | No |  |  |  |  | 0 |  |  | Not Provided | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1419.00 | xxxxxx | $118.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | xxxxxx | $140304.24 | 42.840% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 65.92 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841822 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1450.42 | $1450.42 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3600.00 | xxxxxx | $300.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/04/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.2 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 53 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841861 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1225.92 | $1225.92 | 7.490% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $875.04 | xxxxxx | $72.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 54.52 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841865 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4189.18 | $4189.18 | 8.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1521.12 | xxxxxx | $126.76 | xxxxxx |  | $218.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/17/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.67 | 1.49 |  |  |  |  |  |  |  | xxxxxx | $644657.73 | 90.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 97.62 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841881 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $16990.00 | $18783.26 | xxxxxx | 8.133% | $5438.02 | $5438.02 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $44109.06 | 1 | xxxxxx | $4424.04 | xxxxxx | $368.67 | xxxxxx | xxxxxx | $3000.00 |  | Annually | 19.098% | 19.098% | 19.098% | 06/30/2025 | 657 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16990.00 | xxxxxx | 6.750% | $0.00 | 1.1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $120860.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 125.64 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841884 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5590.00 | $6271.89 | xxxxxx | 9.205% | $2714.80 | $2714.80 | 9.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $74103.82 | 1 | xxxxxx | $6072.00 | xxxxxx | $506.00 | xxxxxx | xxxxxx | $467.00 |  | Annually | 8.088% | 8.088% | 8.088% | 06/24/2025 | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5590.00 | xxxxxx | 6.750% | $0.00 |  |  |  |  | Yes | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $82010.80 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 53.01 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841920 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3190.31 | $3190.31 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $828.00 | xxxxxx | $69.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.5 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.71 | 1.4 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 119.68 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841979 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3674.39 | $3674.39 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | $2520.96 | xxxxxx | $210.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/12/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $345996.14 | 45.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 64.67 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841980 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2054.76 | $2054.76 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $835.20 | xxxxxx | $69.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/19/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 127.44 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841986 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2075.74 | $2075.74 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $906.96 | xxxxxx | $75.58 | xxxxxx |  | $175.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/29/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $299627.64 | 57.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.83 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841998 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13450.00 | $21947.60 | xxxxxx | 7.595% | $6216.08 | $6216.08 | 7.375% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $22071.25 | 1 | xxxxxx | $1611.00 | xxxxxx | $134.25 |  |  |  |  |  | 42.359% | 42.359% | 42.359% | 06/16/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13450.00 | xxxxxx | 6.670% | $0.00 | 2.6 |  |  |  | No | No | 7.375% | 2 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $882749.48 | 54.650% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 19.12 |  | Yes | No | xxxxxx | $0.00 | $17499.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842029 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2027.50 | $2646.56 | xxxxxx | 8.913% | $1376.73 | $1376.73 | 8.750% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $10308.12 | 1 | xxxxxx | $2541.00 | xxxxxx | $211.75 |  |  |  |  |  | 29.238% | 29.238% | 29.238% | 07/02/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2027.50 | xxxxxx | 6.770% | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $23732.34 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 4.750% | xxxxxx | xxxxxx | $1460.62 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 6.95 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842039 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2431.99 | $2431.99 | 7.749% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1266.00 | xxxxxx | $105.50 | xxxxxx | xxxxxx | $1193.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $257576.85 | 53.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.64 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842045 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $845.90 | $845.90 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $849.00 | xxxxxx | $70.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/02/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 34.02 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842047 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1384.62 | $1384.62 | 6.749% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2952.00 | xxxxxx | $246.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/12/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 92.37 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842048 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $13577.77 | $13577.77 | 9.749% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $16157.28 | xxxxxx | $1346.44 | xxxxxx | xxxxxx | $1600.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/08/2025 | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 9.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.3 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 14.92 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842050 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2217.78 | $2217.78 | 6.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $982.68 | xxxxxx | $81.89 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/16/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.23 | 0.44 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 32 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842052 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1316.26 | $1316.26 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3305.04 | xxxxxx | $275.42 | xxxxxx | xxxxxx | $500.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/16/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $174804.79 | 68.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 152.58 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842053 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3955.50 | $3955.50 | 6.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1566.96 | xxxxxx | $130.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/19/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.79 |  |  |  |  |  |  | 240 | xxxxxx | $233697.33 | 26.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 32.62 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842055 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11554.88 | $13766.33 | xxxxxx | 7.270% | $3081.71 | $3081.71 | 6.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14235.85 | 1 | xxxxxx | $2211.96 | xxxxxx | $184.33 | xxxxxx | xxxxxx | $160.00 |  | Annually | 40.163% | 40.163% | 40.163% | 05/21/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11554.88 | xxxxxx | 6.930% | $0.00 | 2.3 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $613507.35 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 160.88 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842061 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2467.13 | $2467.13 | 7.624% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2062.32 | xxxxxx | $171.86 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.7 |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $251218.38 | 50.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.14 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | Property Focused |
| xxxxxx | 842063 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2762.43 | $2762.43 | 7.374% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3462.96 | xxxxxx | $288.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/30/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $134416.85 | 26.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 49.14 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842064 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3822.09 | $3822.09 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2190.48 | xxxxxx | $182.54 | xxxxxx | xxxxxx | $1564.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/27/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.6 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.58 | 1.69 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 79.03 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842068 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1468.21 | $1468.21 | 7.499% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $1158.96 | xxxxxx | $96.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/04/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.88 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842069 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3240.12 | $3240.12 | 6.437% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $5208.60 | xxxxxx | $434.05 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/27/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 7 |  | xxxxxx | 1 | 133.56 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.3 |  |  |  | No | No | 6.437% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.68 | 0.59 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 157.07 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842070 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1700.50 | $1700.50 | 6.624% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1167.96 | xxxxxx | $97.33 | xxxxxx | xxxxxx | $420.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/03/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $225123.30 | 67.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.32 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842072 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1139.51 | $1139.51 | 7.374% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $758.04 | xxxxxx | $63.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 61.68 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842073 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2686.01 | $2686.01 | 6.499% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $1214.04 | xxxxxx | $101.17 | xxxxxx | xxxxxx | $1165.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/17/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.4 |  |  |  | N/A | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $140832.82 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 30.38 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842129 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $15364.58 | $15364.58 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2010.00 | xxxxxx | $167.50 | xxxxxx | xxxxxx | $740.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/02/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.18 |  |  |  |  |  |  | 240 | xxxxxx | $4857474.98 | 70.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 204.03 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842317 | xxxxxx | N/A |  |  | xxxxxx | No | No | $58150.00 | $18938.00 | xxxxxx | 7.682% | $5873.40 | $5873.40 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $61766.18 | 1 | xxxxxx | $1580.04 | xxxxxx | $131.67 |  |  |  |  |  | 36.258% | 36.258% | 36.258% | 06/03/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $58150.00 | xxxxxx | 6.920% | $0.00 | 3.4 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 121.37 |  | No | No | xxxxxx | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842339 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $10404.57 | $10404.57 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $2898.00 | xxxxxx | $241.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/14/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.92 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 26.6 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842375 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5698.07 | $5698.07 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1478.04 | xxxxxx | $123.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/08/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 109.85 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842411 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $54645.00 | $66900.00 | xxxxxx | 9.975% | $12612.81 | $12612.81 | 9.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $27424.90 | 1 | xxxxxx | $10671.00 | xxxxxx | $889.25 |  |  |  |  |  | 45.489% | 45.489% | 45.489% | 05/16/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $54645.00 | xxxxxx | 6.670% | $0.00 | 1.4 |  |  |  | Yes | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $372004.81 | 22.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.76 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842419 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3798.71 | $3798.71 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1452.72 | xxxxxx | $121.06 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/25/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 118.26 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842432 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4400.00 | $8406.25 | xxxxxx | 7.201% | $1167.48 | $1167.48 | 6.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5172.04 | 1 | xxxxxx | $1950.00 | xxxxxx | $162.50 | xxxxxx |  | $425.00 |  | Annually | 31.040% | 31.040% | 31.040% | 06/10/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4400.00 | xxxxxx | 6.770% | $0.00 | 1.5 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $359129.77 | 74.040% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.59 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842452 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4872.12 | $5682.96 | xxxxxx | 10.107% | $1121.99 | $1121.99 | 9.625% | No | No | Non-Employment Income | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $4845.62 | 1 | xxxxxx | $1305.96 | xxxxxx | $108.83 |  |  |  |  |  | 49.375% | 49.375% | 49.375% | 06/04/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4872.12 | xxxxxx | 6.670% | $0.00 |  |  |  |  | N/A | No | 9.625% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5.00 |  | No |  | 29 |  |  | Yes | Title Search | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.625% | xxxxxx | xxxxxx | $1301.35 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 24.5 |  | No | No | xxxxxx | $0.00 | $8068.28 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842454 | xxxxxx | N/A |  |  | xxxxxx | No | No | $50034.50 | $23701.63 | xxxxxx | 7.978% | $8342.63 | $8342.63 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $60841.24 | 4 | xxxxxx | $3944.04 | xxxxxx | $328.67 |  |  |  |  |  | 34.175% | 34.175% | 34.175% | 07/03/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $50034.50 | xxxxxx | 6.750% | $25000.00 |  |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $177255.91 | 12.930% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.15 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842460 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5350.00 | $7131.11 |  | 7.428% | $2728.71 | $2728.71 | 7.250% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $13111.13 | 3 | xxxxxx | $1905.00 | xxxxxx | $158.75 |  |  |  |  |  | 22.281% | 22.281% | 22.281% | 07/18/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5350.00 | xxxxxx | 6.770% | $0.00 |  |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 106.1 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842552 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3124.22 | $3124.22 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3654.00 | xxxxxx | $304.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/25/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  | 240 | xxxxxx | $209309.68 | 32.450% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.79 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842576 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1657.48 | $2210.90 | xxxxxx | 10.360% | $805.46 | $805.46 | 10.125% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $6138.56 | 1 | xxxxxx | $4153.80 | xxxxxx | $346.15 | xxxxxx | xxxxxx | $360.00 |  | Annually | 43.571% | 43.571% | 43.571% | 03/21/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; W-2 Transcript - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1657.48 | xxxxxx | 6.880% | $0.00 | 1.3 |  |  |  | Yes | No | 10.125% | 3 | 2 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $59377.77 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 3.250% | xxxxxx | xxxxxx | $930.65 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 24.74 |  |  | No | xxxxxx | $0.00 | $4272.67 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842620 | xxxxxx | N/A |  |  | xxxxxx | No | No | $18245.40 | $5550.40 |  | 8.012% | $3045.29 | $3045.29 | 7.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $4135.30 | 1 | xxxxxx | $813.84 | xxxxxx | $67.82 | xxxxxx | xxxxxx | $492.00 |  | Monthly | 44.768% | 44.768% | 44.768% | 07/28/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18245.40 |  | 6.670% | $0.00 | 2.3 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $102569.05 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 17.02 |  | No | No | xxxxxx | $7487.13 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842641 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2195.00 | $7281.06 | xxxxxx | 8.053% | $10695.35 | $10695.35 | 8.000% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $35136.45 | 1 | xxxxxx | $3360.96 | xxxxxx | $280.08 |  |  |  |  |  | 41.886% | 41.886% | 41.886% | 07/02/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2195.00 | xxxxxx | 6.790% | $0.00 | 3.1 |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $476077.16 | 26.120% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 6.56 |  |  | No | xxxxxx | $29819.83 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842650 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2344.00 | $4818.17 | xxxxxx | 7.618% | $2740.92 | $2740.92 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5053.72 | 1 | xxxxxx | $1305.00 | xxxxxx | $108.75 |  |  |  |  |  | 40.113% | 40.113% | 40.113% | 04/30/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2344.00 | xxxxxx | 6.750% | $1000.00 | 2.6 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $96848.90 | 19.760% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.76 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842688 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11485.00 | $2995.50 | xxxxxx | 7.927% | $3233.81 | $3233.81 | 7.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5108.45 | 1 | xxxxxx | $1533.96 | xxxxxx | $127.83 | xxxxxx | xxxxxx | $18.00 |  | Monthly | 48.948% | 48.948% | 48.948% | 05/20/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11485.00 | xxxxxx | 6.670% | $0.00 | 1.1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $136038.10 | 24.400% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 5.94 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842702 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14303.40 | $15976.93 | xxxxxx | 7.351% | $2154.73 | $2154.73 | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12192.21 | 1 | xxxxxx | $1595.04 | xxxxxx | $132.92 |  |  |  |  |  | 26.251% | 26.251% | 26.251% | 06/20/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $14303.40 | xxxxxx | 6.770% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $69541.29 | 16.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 33.08 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842717 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10673.60 | $12879.06 | xxxxxx | 8.148% | $2292.52 | $2292.52 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5992.79 | 1 | xxxxxx | $2153.04 | xxxxxx | $179.42 |  |  |  |  |  | 36.612% | 36.612% | 36.612% | 05/30/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10673.60 | xxxxxx | 6.890% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 87.9 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842740 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5860.00 | $3475.63 | xxxxxx | 7.735% | $1783.64 | $1783.64 | 7.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4314.83 | 1 | xxxxxx | $1929.96 | xxxxxx | $160.83 | xxxxxx | xxxxxx | $395.00 |  | Annually | 40.893% | 40.893% | 40.893% | 06/25/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5860.00 | xxxxxx | 6.670% | $0.00 | 2.9 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $81103.22 | 25.740% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.21 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842743 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $25015.00 | $28446.22 | xxxxxx | 7.975% | $8367.70 | $8367.70 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14099.23 | 1 | xxxxxx | $2577.00 | xxxxxx | $214.75 | xxxxxx | xxxxxx | $20.00 |  | Annually | 46.407% | 46.407% | 46.407% | 05/16/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; Third Party Verification - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $25015.00 | xxxxxx | 6.670% | $100000.00 | 1.6 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $260660.99 | 17.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.59 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842791 | xxxxxx | N/A |  |  | xxxxxx | No | No | $20390.00 | $4744.00 | xxxxxx | 7.810% | $4298.48 | $4298.48 | 7.750% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $23351.77 | 2 | xxxxxx | $2626.20 | xxxxxx | $218.85 |  |  |  |  |  | 35.141% | 35.141% | 35.141% | 07/15/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20390.00 | xxxxxx | 6.750% | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $75000.00 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 21.65 |  | No | No | xxxxxx | $36003.68 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842818 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $22695.44 | $24401.44 | xxxxxx | 7.877% | $3536.26 | $3536.26 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6447.86 | 1 | xxxxxx | $3342.36 | xxxxxx | $278.53 | xxxxxx | xxxxxx | $406.00 |  | Monthly | 48.978% | 48.978% | 48.978% | 06/12/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $22695.44 | xxxxxx | 6.750% | $0.00 | 1.1 |  |  |  | No | No | 7.375% | 2 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.96 |  |  | No | xxxxxx | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842848 | xxxxxx | N/A |  |  | xxxxxx | No | No | $19000.00 | $8094.31 | xxxxxx | 9.014% | $3341.71 | $3341.71 | 8.875% | No | No | Not Employed | Self-Employed | Self-Employed |  | 3.03 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $33857.02 | 1 | xxxxxx | $15649.32 | xxxxxx | $1304.11 |  |  |  |  |  | 38.798% | 38.798% | 38.798% | 06/02/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2022 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $19000.00 | xxxxxx | 6.750% | $0.00 | 2 |  |  |  | No | No | 8.875% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $192175.05 | 36.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 15.96 |  | Yes | No | xxxxxx | $55320.34 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842853 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5696.15 | $5696.15 | 10.000% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $819.96 | xxxxxx | $68.33 | xxxxxx | xxxxxx | $1036.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/26/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.4 |  |  |  | N/A | No | 10.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.41 | 2.38 |  |  |  |  |  |  |  | xxxxxx | $379047.22 | 43.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.1 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842854 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1646.67 | $1646.67 | 6.500% | No | No |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1518.96 | xxxxxx | $126.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  | 1 | xxxxxx | $2500.00 | 0.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | LLC | Business Entity | LLC | Business Entity |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.7 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842855 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2576.37 | $2576.37 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1400.04 | xxxxxx | $116.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/24/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $340826.13 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 90.24 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842857 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2427.74 | $2427.74 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1826.28 | xxxxxx | $152.19 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/24/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $341898.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 92.76 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842858 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2113.05 | $2113.05 | 7.999% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1653.96 | xxxxxx | $137.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/14/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $29222.32 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 11.39 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842859 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8999.30 | $8999.30 | 6.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1245.96 | xxxxxx | $103.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/14/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 3.26 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842861 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1810.79 | $1810.79 | 6.375% | No | No |  |  |  |  | 0 | 0 |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $1095.00 | xxxxxx | $91.25 | xxxxxx | xxxxxx | $320.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/16/2025 | 777 | 763 | 819 | 781 | 790 | 796 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.5 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  | No | 165.18 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842862 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1789.58 | $1789.58 | 6.375% | No | No |  |  |  |  | 0 | 0 |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $1128.00 | xxxxxx | $94.00 | xxxxxx | xxxxxx | $320.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/16/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  | No | 107.84 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842863 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1910.86 | $1910.86 | 6.375% | No | No |  |  |  |  | 0 | 0 |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $1067.04 | xxxxxx | $88.92 | xxxxxx | xxxxxx | $325.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/16/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  | No | 102.95 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842864 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $911.70 | $911.70 | 7.375% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $2447.52 | xxxxxx | $203.96 | xxxxxx | xxxxxx | $150.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/17/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $6358.20 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 6.05 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842865 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $715.49 | $715.49 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1518.96 | xxxxxx | $126.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/18/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 56.1 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842866 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2279.55 | $2279.55 | 6.875% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1983.96 | xxxxxx | $165.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/24/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Member | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 23.21 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842867 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1436.91 | $1436.91 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $711.00 | xxxxxx | $59.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/21/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 185.54 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842868 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $663.68 | $663.68 | 6.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $467.04 | xxxxxx | $38.92 | xxxxxx | xxxxxx | $230.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/17/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $117528.18 | 78.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.97 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842870 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1845.64 | $1845.64 | 6.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1451.28 | xxxxxx | $120.94 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.7 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $23079.13 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.05 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842871 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $953.81 | $953.81 | 7.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1452.48 | xxxxxx | $121.04 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/01/2025 | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.2 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.87 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842872 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1446.22 | $1446.22 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $5271.00 | xxxxxx | $439.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/07/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842873 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $769.23 | $769.23 | 8.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3511.08 | xxxxxx | $292.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/26/2025 | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 21.34 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842874 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1538.28 | $1538.28 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $828.36 | xxxxxx | $69.03 | xxxxxx | xxxxxx | $410.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/12/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.12 |  |  |  |  |  |  |  | xxxxxx | $241995.02 | 63.680% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.61 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842875 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3953.37 | $3953.37 | 8.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1911.96 | xxxxxx | $159.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/14/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.5 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.19 |  |  |  |  |  |  |  | xxxxxx | $58990.76 | 8.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.09 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842876 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3544.52 | $3544.52 | 8.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3499.44 | xxxxxx | $291.62 | xxxxxx | xxxxxx | $13080.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/27/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.69 | 1.44 |  |  |  |  |  |  |  | xxxxxx | $163900.62 | 30.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.83 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842877 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1809.23 | $1809.23 | 6.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2361.00 | xxxxxx | $196.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/05/2025 | 823 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $621295.36 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 155.12 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842878 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2335.13 | $2335.13 | 9.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2088.00 | xxxxxx | $174.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/28/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $124711.35 | 30.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 49.75 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842879 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $931.66 | $931.66 | 6.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2235.96 | xxxxxx | $186.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/07/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $85873.20 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 166.08 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842880 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3117.80 | $3117.80 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1489.08 | xxxxxx | $124.09 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/02/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.18 |  |  |  |  |  |  |  | xxxxxx | $6039.73 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 78.55 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842881 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3734.92 | $3734.92 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $2987.04 | xxxxxx | $248.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/12/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $184803.12 | 25.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 22.11 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842882 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3113.31 | $3113.31 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1626.96 | xxxxxx | $135.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/18/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $104458.34 | 17.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.8 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842883 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1415.03 | $1415.03 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $968.04 | xxxxxx | $80.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/13/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $192121.16 | 76.870% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 89.78 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842884 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2394.23 | $2394.23 | 8.375% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1560.00 | xxxxxx | $130.00 | xxxxxx | xxxxxx | $368.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $163531.26 | 36.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842885 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1159.37 | $1159.37 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $669.96 | xxxxxx | $55.83 | xxxxxx | xxxxxx | $791.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/27/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.23 | 0.44 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 73.59 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842886 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2065.79 | $2065.79 | 6.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1602.36 | xxxxxx | $133.53 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/28/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $284834.87 | 61.920% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 49.04 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842887 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1323.15 | $1323.15 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1955.28 | xxxxxx | $162.94 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/18/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  |  | xxxxxx | $23313.23 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.3 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842895 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $19620.00 | $30035.18 | xxxxxx | 8.768% | $7679.52 | $7679.52 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $36174.58 | 1 | xxxxxx | $1353.00 | xxxxxx | $112.75 |  |  |  |  |  | 22.169% | 22.169% | 22.169% | 06/27/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.87000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.87000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.87000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.87000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.87000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.87000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.87000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.87000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2015<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.87000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2014 | [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19620.00 | xxxxxx | 6.750% | $9500.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 1 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $188624.25 | 16.050% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.48 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842908 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $10574.24 | $11558.49 | xxxxxx | 8.436% | $2717.54 | $2717.54 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5412.84 | 1 | xxxxxx | $2316.00 | xxxxxx | $193.00 |  |  |  |  |  | 37.764% | 37.764% | 37.764% | 07/07/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo CPA P&L | Chapter 13 | xxxxxx | xxxxxx | 1 |  | 36.6 |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10574.24 | xxxxxx | 6.790% | $0.00 | 1.6 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.21 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842910 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6895.00 | $8545.64 | xxxxxx | 8.652% | $4106.00 | $4106.00 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $85040.21 | 1 | xxxxxx | $1992.00 | xxxxxx | $166.00 | xxxxxx |  | $30.00 |  | Annually | 25.171% | 25.171% | 25.171% | 04/28/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6895.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $6000.00 | 0.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.28 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842970 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6292.00 | $7061.07 | xxxxxx | 8.210% | $1560.35 | $1560.35 | 7.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5549.66 | 1 | xxxxxx | $2324.64 | xxxxxx | $193.72 | xxxxxx | xxxxxx | $75.00 |  | Monthly | 39.678% | 39.678% | 39.678% | 06/11/2025 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6292.00 | xxxxxx | 6.670% | $52000.00 | 1.3 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $33407.17 | 12.410% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.35 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842978 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $47927.50 | $56884.88 | xxxxxx | 8.036% | $14321.08 | $14321.08 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $39835.06 | 1 | xxxxxx | $7790.04 | xxxxxx | $649.17 |  |  |  |  |  | 38.031% | 38.031% | 38.031% | 07/08/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $47927.50 | xxxxxx | 6.670% | $16000.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $680861.54 | 26.280% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.95 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842999 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $17418.32 | $2285.55 | xxxxxx | 9.409% | $5838.13 | $5838.13 | 9.375% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $19669.57 | 1 | xxxxxx | $2693.16 | xxxxxx | $224.43 | xxxxxx | xxxxxx | $275.00 |  | Annually | 41.191% | 41.191% | 41.191% | 06/10/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 74.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17418.32 | xxxxxx | 6.750% | $10000.00 | 1 |  |  |  | N/A | No | 9.375% | 0 | 2 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $93665.34 | 12.000% | No |  | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 22.3 |  | No | No | xxxxxx | $0.00 | $8749.88 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843007 | xxxxxx | N/A |  |  | xxxxxx | No | No | $58072.50 | $22311.00 | xxxxxx | 7.517% | $9427.72 | $9427.72 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $30813.66 | 1 | xxxxxx | $1749.00 | xxxxxx | $145.75 |  |  |  |  |  | 40.001% | 40.001% | 40.001% | 06/30/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $58072.50 | xxxxxx | 6.790% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 45.15 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843030 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $12712.50 | $7291.85 | xxxxxx | 11.220% | $2498.66 | $2498.66 | 10.875% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $15387.12 | 1 | xxxxxx | $3741.96 | xxxxxx | $311.83 |  |  |  |  |  | 33.615% | 33.615% | 33.615% | 06/12/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12712.50 | xxxxxx | 6.750% | $0.00 | 1.9 |  |  |  | Yes | No | 10.875% | 2 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.990% | xxxxxx | xxxxxx | $2133.96 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 29 |  |  | No | xxxxxx | $0.00 | $5249.28 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843046 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1692.52 | $1692.52 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1497.48 | xxxxxx | $124.79 | xxxxxx | xxxxxx | $1068.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/22/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $138402.72 | 43.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 35.67 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843115 | xxxxxx | N/A |  |  | xxxxxx | No | No | $37426.55 | $20422.13 | xxxxxx | 7.673% | $4610.26 | $4610.26 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5990.87 | 1 | xxxxxx | $4192.08 | xxxxxx | $349.34 |  |  |  |  |  | 58.891% | 58.891% | 58.891% | 03/17/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2019<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Other - Year Not Available | [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $37426.55 | xxxxxx | 6.660% | $0.00 | 1 |  |  |  | No | No | 7.375% | 3 |  | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $446120.59 | 50.120% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.94 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843124 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7022.50 | $16138.50 | xxxxxx | 7.292% | $13131.90 | $13131.90 | 7.250% | No | No | Not Employed | Self-Employed | Self-Employed |  | 16.59 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $30018.58 | 1 | xxxxxx | $5352.96 | xxxxxx | $446.08 | xxxxxx | xxxxxx | $120.00 |  | Monthly | 42.568% | 42.568% | 42.568% | 07/16/2025 | 765 | 798 | 763 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7022.50 | xxxxxx | 6.750% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 28.37 |  | No | No | xxxxxx | $52268.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843143 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $25910.00 | $27942.00 |  | 8.239% | $5684.54 | $5684.54 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20689.12 | 1 | xxxxxx | $2080.20 | xxxxxx | $173.35 |  |  |  |  |  | 33.972% | 33.972% | 33.972% | 05/31/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $25910.00 |  | 6.670% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 30.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $109050.22 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 70.25 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843163 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2325.00 | $4669.67 | xxxxxx | 7.964% | $3625.35 | $3625.35 | 7.875% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $22535.47 | 1 | xxxxxx | $3152.04 | xxxxxx | $262.67 |  |  |  |  |  | 29.048% | 29.048% | 29.048% | 06/18/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75.000% |  | 98.000% |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # 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]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2325.00 | xxxxxx | 6.750% | $0.00 | 1.3 |  |  |  | No | No | 7.875% | 2 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $2380029.78 | 72.080% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 112.74 |  | No | No | xxxxxx | $23957.84 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843164 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16740.00 | $7895.78 | xxxxxx | 7.921% | $2865.65 | $2865.65 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7505.10 | 1 | xxxxxx | $1289.76 | xxxxxx | $107.48 | xxxxxx | xxxxxx | $380.00 |  | Monthly | 38.021% | 38.021% | 38.021% | 06/20/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16740.00 | xxxxxx | 6.830% | $0.00 | 1.2 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $79287.52 | 15.850% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843169 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4725.00 | $7293.30 |  | 7.939% | $2836.99 | $2836.99 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $9047.32 | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx | xxxxxx | $412.00 |  | Monthly | 29.758% | 29.758% | 29.758% | 07/08/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4725.00 |  | 6.670% | $11300.00 | 1.4 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $135006.84 | 27.270% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 8.68 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843170 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1220.98 | $1220.98 | 8.000% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1095.96 | xxxxxx | $91.33 | xxxxxx |  | $700.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/24/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $84214.44 | 40.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 19.49 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843171 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9790.00 | $11257.12 | xxxxxx | 7.768% | $5237.67 | $5237.67 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $29085.98 | 1 | xxxxxx | $3373.80 | xxxxxx | $281.15 |  |  |  |  |  | 36.844% | 36.844% | 36.844% | 06/25/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $9790.00 | xxxxxx | 6.750% | $0.00 | 1.3 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $370391.54 | 40.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.32 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843176 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7015.00 | $7632.11 | xxxxxx | 8.254% | $2348.05 | $2348.05 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8701.37 | 1 | xxxxxx | $660.00 | xxxxxx | $55.00 | xxxxxx | xxxxxx | $941.00 |  | Monthly | 43.302% | 43.302% | 43.302% | 07/07/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7015.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 1.250% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.74 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843183 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5864.96 | $5864.96 | 9.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1668.00 | xxxxxx | $139.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/07/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.64 | 1.57 |  |  |  |  |  |  |  | xxxxxx | $211363.35 | 22.720% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843186 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2052.60 | $2052.60 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1485.96 | xxxxxx | $123.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/17/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.62 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843195 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3576.76 | $3576.76 | 7.999% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 4 | xxxxxx | $3150.96 | xxxxxx | $262.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/12/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | xxxxxx | $195524.43 | 30.080% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.04 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843198 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2993.56 | $2993.56 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2548.32 | xxxxxx | $212.36 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/18/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 117.69 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843224 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3391.19 | $3391.19 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $5181.96 | xxxxxx | $431.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/15/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.55 | 0.39 |  |  |  |  |  |  |  | xxxxxx | $14384.37 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.3 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843239 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5536.36 | $5536.36 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3303.00 | xxxxxx | $275.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/02/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $65149.09 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 15.93 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843270 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2377.33 | $2377.33 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1437.00 | xxxxxx | $119.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/08/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $139912.91 | 32.920% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.4 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843316 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3547.42 | $3547.42 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1986.24 | xxxxxx | $165.52 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/14/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 52.56 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843321 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1132.47 | $1132.47 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1988.04 | xxxxxx | $165.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $15628.67 | 7.810% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.74 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843323 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2041.77 | $2041.77 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1595.16 | xxxxxx | $132.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/30/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 46.66 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843373 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3746.17 | $3746.17 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2278.20 | xxxxxx | $189.85 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/12/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 86.64 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843374 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7718.75 | $7718.75 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $3899.76 | xxxxxx | $324.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/03/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 36.97 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843419 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7534.95 | $9263.36 | xxxxxx | 9.437% | $4113.38 | $4113.38 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $46321.93 | 1 | xxxxxx | $2808.48 | xxxxxx | $234.04 |  |  |  |  |  | 29.748% | 29.748% | 29.748% | 06/16/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2016<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7534.95 | xxxxxx | 6.770% | $0.00 |  |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1401.65 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 4.125% | xxxxxx | xxxxxx | $4664.75 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.77 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843432 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4138.00 | $5860.09 | xxxxxx | 10.599% | $921.45 | $921.45 | 10.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10186.82 | 1 | xxxxxx | $4905.96 | xxxxxx | $408.83 |  |  |  |  |  | 35.757% | 35.757% | 35.757% | 07/01/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc | Chapter 7 |  | xxxxxx | 1 | 82.92 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4138.00 | xxxxxx | 6.750% | $0.00 | 1.8 |  |  |  | Yes | No | 10.000% | 2 |  | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 5 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.125% | xxxxxx | xxxxxx | $2205.52 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 40.65 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843443 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $10095.00 | $11761.00 | xxxxxx | 9.522% | $4113.38 | $4113.38 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $1159549.43 | 1 | xxxxxx | $3779.04 | xxxxxx | $314.92 |  |  |  |  |  | 3.398% | 3.398% | 3.398% | 07/08/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10095.00 | xxxxxx | 6.670% | $0.00 | 1.8 |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $49429.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.875% | xxxxxx | xxxxxx | $2915.47 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 59.59 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843450 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9881.00 | $14170.50 | xxxxxx | 7.941% | $2349.36 | $2349.36 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5889.06 | 1 | xxxxxx | $3315.96 | xxxxxx | $276.33 | xxxxxx | xxxxxx | $1961.00 |  | Annually | 40.241% | 40.241% | 40.241% | 06/07/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $9881.00 | xxxxxx | 6.750% | $12600.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $84774.50 | 20.180% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.6 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843454 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1585.41 | $1585.41 | 7.625% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1048.68 | xxxxxx | $87.39 | xxxxxx |  | $1300.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $229220.36 | 71.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.34 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843541 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1595.00 | $3412.92 | xxxxxx | 7.817% | $1905.66 | $1905.66 | 7.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4409.09 | 1 | xxxxxx | $2369.04 | xxxxxx | $197.42 |  |  |  |  |  | 49.126% | 49.126% | 49.126% | 04/23/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $1595.00 | xxxxxx | 6.880% | $0.00 | 1.5 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1500.00 | 0.390% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.1 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843546 | xxxxxx | N/A |  |  | xxxxxx | No | No | $9530.00 | $3943.02 | xxxxxx | 8.100% | $1819.57 | $1819.57 | 7.999% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $36613.39 | 1 | xxxxxx | $1110.96 | xxxxxx | $92.58 | xxxxxx | xxxxxx | $165.00 |  | Monthly | 25.035% | 25.035% | 25.035% |  | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $9530.00 | xxxxxx | 6.830% | $0.00 | 1 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $208770.58 | 67.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 58.59 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843548 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13633.00 | $7426.86 | xxxxxx | 6.794% | $4804.33 | $4804.33 | 6.749% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $61349.51 | 1 | xxxxxx | $4104.00 | xxxxxx | $342.00 |  |  |  |  |  | 18.562% | 18.562% | 18.562% | 05/30/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 95.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13633.00 | xxxxxx | 6.920% | $26000.00 | 3.1 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $180656.90 | 19.500% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.41 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843549 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2223.76 | $2223.76 | 7.374% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $1716.48 | xxxxxx | $143.04 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.29 | 0.43 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 47.42 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843550 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $26526.25 | $38435.29 | xxxxxx | 6.898% | $12934.97 | $12934.97 | 6.749% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $64649.86 | 1 | xxxxxx | $2837.40 | xxxxxx | $236.45 | xxxxxx |  | $250.00 |  | Annually | 26.026% | 26.026% | 26.026% | 05/16/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $26526.25 | xxxxxx | 6.920% | $0.00 | 2.4 |  |  |  | N/A | No | 6.749% | 1 | 1 | 1 | 0 | 0 | 0 |  |  | 3.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $465061.91 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 29.29 |  | No | No | xxxxxx | $0.00 | $13700.17 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843553 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1330.48 | $1330.48 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1140.00 | xxxxxx | $95.00 | xxxxxx | xxxxxx | $1710.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/06/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | xxxxxx | $140829.72 | 45.420% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 10.21 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843554 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4686.88 | $4686.88 | 7.499% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | $3668.04 | xxxxxx | $305.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/01/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.499% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.72 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843555 | xxxxxx | N/A |  |  | xxxxxx | No | No | $23853.20 | $15676.48 | xxxxxx | 8.485% | $3380.38 | $3380.38 | 8.249% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $23206.59 | 1 | xxxxxx | $3633.00 | xxxxxx | $302.75 |  |  |  |  |  | 23.490% | 23.490% | 23.490% | 05/14/2025 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $23853.20 | xxxxxx | 6.830% | $0.00 | 1.3 |  |  |  | N/A | No | 8.249% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $10000.00 | 1.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 2.01 |  | No | No | xxxxxx | $30331.56 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843556 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4257.51 | $4257.51 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1520.16 | xxxxxx | $126.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/25/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 84.26 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843558 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4575.00 | $6297.91 | xxxxxx | 7.109% | $1502.58 | $1502.58 | 6.874% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4412.45 | 1 | xxxxxx | $1484.04 | xxxxxx | $123.67 | xxxxxx | xxxxxx | $365.00 |  | Monthly | 34.832% | 34.831% | 34.831% | 06/11/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $4575.00 | xxxxxx | 6.830% | $12840.00 | 1 |  |  |  | N/A | No | 6.874% | 0 |  | 1 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $143934.14 | 47.190% | No | 29 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 27.55 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843559 | xxxxxx | N/A |  |  | xxxxxx | No | No | $20285.00 | $11492.07 | xxxxxx | 7.436% | $1657.77 | $1657.77 | 6.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11008.74 | 2 | xxxxxx | $1850.04 | xxxxxx | $154.17 |  |  |  |  |  | 31.837% | 31.837% | 31.837% | 05/22/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $20285.00 | xxxxxx | 6.830% | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $666745.48 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 476.81 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843561 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $689.71 | $689.71 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1408.56 | xxxxxx | $117.38 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/12/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | xxxxxx | $2041.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.11 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843562 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6969.22 | $6969.22 | 8.374% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1383.00 | xxxxxx | $115.25 | xxxxxx | xxxxxx | $1625.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/21/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.8 |  |  |  | N/A | No | 8.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.68 | 1.45 |  |  |  |  |  |  |  | xxxxxx | $436693.17 | 33.330% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 14.78 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843563 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1595.00 | $9914.17 | xxxxxx | 8.136% | $14848.54 | $14848.54 | 8.124% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $83361.40 | 1 | xxxxxx | $5486.88 | xxxxxx | $457.24 | xxxxxx | xxxxxx | $2500.00 |  | Annually | 33.756% | 33.756% | 33.756% | 05/22/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $1595.00 | xxxxxx | 6.770% | $0.00 | 1.1 |  |  |  | N/A | No | 8.124% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $22250.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.54 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843564 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15090.00 | $20487.22 | xxxxxx | 7.821% | $4194.88 | $4194.88 | 7.499% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7611.04 | 1 | xxxxxx | $705.00 | xxxxxx | $58.75 |  |  |  |  |  | 44.848% | 44.848% | 44.848% | 06/03/2025 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $15090.00 | xxxxxx | 6.890% | $0.00 | 1.1 |  |  |  | N/A | No | 7.499% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $47985.02 | 5.990% | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.87 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843565 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4456.16 | $4456.16 | 6.874% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $6199.08 | xxxxxx | $516.59 | xxxxxx | xxxxxx | $2520.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/19/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.64 |  |  |  |  |  |  |  | xxxxxx | $370954.36 | 43.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 30.35 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843566 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1413.75 | $1413.75 | 7.874% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2508.96 | xxxxxx | $209.08 | xxxxxx | xxxxxx | $250.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/12/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.04 |  |  |  |  |  |  |  | xxxxxx | $2800.00 | 1.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.48 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843568 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2283.75 | $2283.75 | 7.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1202.04 | xxxxxx | $100.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.82 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 46.42 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843570 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7895.00 | $9750.35 | xxxxxx | 8.875% | $1937.49 | $1937.48 | 8.499% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16851.80 | 1 | xxxxxx | $2589.96 | xxxxxx | $215.83 | xxxxxx | xxxxxx | $350.00 |  | Annually | 19.107% | 19.107% | 19.107% | 06/09/2025 | 657 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7895.00 | xxxxxx | 6.550% | $2000.00 | 1 |  |  |  | N/A | No | 8.499% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $18929.28 | 6.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.74 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843573 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $51266.02 | $52582.57 | xxxxxx | 7.457% | $8048.50 | $8048.50 | 7.000% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11078.48 | 1 | xxxxxx | $5619.00 | xxxxxx | $468.25 |  |  |  |  |  | 49.889% | 49.889% | 49.889% | 04/06/2025 | 621 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Alimony]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Alimony]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Alimony]; Divorce Decree - 2023<br> [Borrower - xxxxxx \| Primary Income - Alimony]; Divorce Decree - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $51266.02 | xxxxxx | 6.740% | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $162224.75 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.01 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843581 | xxxxxx | N/A |  |  | xxxxxx | No | No | $17907.64 | $5501.44 | xxxxxx | 8.186% | $1334.13 | $1334.13 | 7.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $75719.26 | 1 | xxxxxx | $2049.00 | xxxxxx | $170.75 | xxxxxx | xxxxxx | $43.00 |  | Monthly | 17.380% | 17.380% | 17.380% | 06/30/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | Chapter 7 |  | xxxxxx | 1 | 80.04 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17907.64 | xxxxxx | 6.790% | $6900.00 | 1 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $101215.17 | 44.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 126.47 |  | No | No | xxxxxx | $45823.98 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843585 | xxxxxx | N/A |  |  | xxxxxx | No | No | $16899.40 | $5437.96 | xxxxxx | 8.189% | $1305.12 | $1305.12 | 7.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $76110.82 | 1 | xxxxxx | $2541.96 | xxxxxx | $211.83 | xxxxxx | xxxxxx | $10.00 |  | Monthly | 16.888% | 16.888% | 16.888% | 06/30/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | Chapter 7 |  | xxxxxx | 1 | 80.04 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16899.40 | xxxxxx | 6.790% | $0.00 | 3.9 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $101215.17 | 44.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 124.74 |  | No | No | xxxxxx | $45788.26 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843598 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11845.00 | $15404.61 | xxxxxx | 7.798% | $3831.70 | $3831.70 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7416.92 | 1 | xxxxxx | $1575.96 | xxxxxx | $131.33 |  |  |  |  |  | 47.273% | 47.273% | 47.273% | 07/02/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11845.00 | xxxxxx | 6.750% | $15000.00 | 4.7 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $191011.68 | 27.880% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.98 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843639 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4070.00 | $7713.29 | xxxxxx | 8.748% | $2076.07 | $2076.07 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3986.64 | 1 | xxxxxx | $1664.04 | xxxxxx | $138.67 |  |  |  |  |  | 49.585% | 49.585% | 49.585% | 04/30/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4070.00 | xxxxxx | 6.790% | $0.00 |  |  |  |  | N/A | No | 8.500% | 1 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $4806.49 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 6.500% | xxxxxx | xxxxxx | $696.19 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 57.51 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843645 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9865.00 | $12221.14 | xxxxxx | 7.621% | $2046.53 | $2046.53 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6808.77 | 1 | xxxxxx | $1560.00 | xxxxxx | $130.00 |  |  |  |  |  | 33.487% | 33.487% | 33.487% | 07/08/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9865.00 | xxxxxx | 6.790% | $0.00 | 4.5 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $3305.93 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.28 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843684 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2558.16 | $2558.16 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | $2585.64 | xxxxxx | $215.47 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 108.93 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843697 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $48407.50 | $23684.83 | xxxxxx | 8.277% | $4323.23 | $4323.23 | 7.875% | No | No | Not Employed | Not Employed | Self-Employed |  | 4.88 |  |  |  | xxxxxx |  |  |  |  |  | $376503.24 | 1 | xxxxxx | $8413.56 | xxxxxx | $701.13 |  |  |  |  |  | 16.321% | 16.321% | 16.321% | 05/08/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 100.000% |  |  |  | [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $48407.50 | xxxxxx | 6.890% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $91279.63 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Trust | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 30.31 |  | Yes | Yes | xxxxxx | $449936.16 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843699 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $8638.75 | $11839.92 | xxxxxx | 9.141% | $1808.36 | $1808.36 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8688.30 | 1 | xxxxxx | $995.28 | xxxxxx | $82.94 | xxxxxx | xxxxxx | $452.00 |  | Monthly | 45.502% | 45.502% | 45.502% | 06/12/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8638.75 | xxxxxx | 6.880% | $0.00 | 2.2 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 83.89 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843700 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $6621.25 | $7777.97 | xxxxxx | 9.650% | $2426.63 | $2426.63 | 9.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13044.67 | 1 | xxxxxx | $2096.16 | xxxxxx | $174.68 |  |  |  |  |  | 22.249% | 22.249% | 22.249% | 05/08/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6621.25 | xxxxxx | 6.740% | $0.00 | 1 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.93 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843722 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $8545.00 | $9760.35 | xxxxxx | 9.418% | $2766.35 | $2766.35 | 9.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5869.37 | 1 | xxxxxx | $2343.48 | xxxxxx | $195.29 | xxxxxx | xxxxxx | $150.00 |  | Annually | 48.969% | 48.969% | 48.969% | 03/04/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8545.00 | xxxxxx | 6.810% | $0.00 | 2.6 |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $12503.46 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.74 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843725 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $10744.00 | $11962.33 | xxxxxx | 8.180% | $2005.95 | $2005.95 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9266.02 | 1 | xxxxxx | $4691.04 | xxxxxx | $390.92 | xxxxxx | xxxxxx | $250.00 |  | Annually | 24.593% | 24.593% | 24.593% | 04/07/2025 | 644 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2021 | Alternative Documentation (A) | 12mo CPA P&L | Chapter 7 |  | xxxxxx | 1 | 57.36 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10744.00 | xxxxxx | 6.700% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 3 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.41 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843799 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $22750.00 | $10896.08 | xxxxxx | 7.859% | $6103.83 | $6103.83 | 7.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12213.80 | 2 | xxxxxx | $3882.00 | xxxxxx | $323.50 |  |  |  |  |  | 43.713% | 43.713% | 43.713% | 07/01/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22750.00 | xxxxxx | 6.770% | $5000.00 |  |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $270050.43 | 25.350% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 5.75 |  | No | No | xxxxxx | $9813.33 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843802 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5370.00 | $7479.90 | xxxxxx | 7.662% | $1851.01 | $1851.01 | 7.375% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4431.33 | 1 | xxxxxx | $763.08 | xxxxxx | $63.59 | xxxxxx | xxxxxx | $165.00 |  | Monthly | 45.959% | 45.959% | 45.959% | 04/29/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5370.00 | xxxxxx | 6.750% | $0.00 | 2.1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $62584.72 | 18.680% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.75 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843807 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2358.01 | $2358.01 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $831.96 | xxxxxx | $69.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/09/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.78 | 0.55 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 102.82 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843809 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $5166.92 | $7189.87 | xxxxxx | 8.563% | $2790.92 | $2790.92 | 8.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6635.74 | 1 | xxxxxx | $912.00 | xxxxxx | $76.00 | xxxxxx | xxxxxx | $750.00 |  | Annually | 43.100% | 43.100% | 43.100% | 03/29/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5166.92 | xxxxxx | 6.750% | $108000.00 | 1 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $21560.37 | 4.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 5.95 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843811 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3152.50 | $4318.83 | xxxxxx | 7.570% | $3929.59 | $3929.59 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6895.39 | 1 | xxxxxx | $1281.96 | xxxxxx | $106.83 |  |  |  |  |  | 41.644% | 41.644% | 41.644% | 07/08/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3152.50 | xxxxxx | 6.750% | $0.00 | 1.1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.05 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843815 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2615.00 | $3922.44 | xxxxxx | 7.654% | $7116.67 | $9108.44 | 7.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $72892.05 | 1 | xxxxxx | $2718.96 | xxxxxx | $226.58 |  |  |  |  |  | 36.980% | 35.258% | 36.980% | 06/26/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2615.00 | xxxxxx | 6.750% | $0.00 | 2.9 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No | 28.65 |  | No | No | xxxxxx | $57832.47 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843818 | xxxxxx | N/A |  |  | xxxxxx | No | No | $58488.75 | $21971.65 |  | 7.548% | $8806.11 | $8806.11 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19765.10 | 2 | xxxxxx | $4622.16 | xxxxxx | $385.18 |  |  |  |  |  | 44.431% | 44.431% | 44.431% | 07/17/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $58488.75 |  | 6.750% | $0.00 |  |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $260871.37 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.48 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843890 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9185.00 | $11162.66 | xxxxxx | 7.755% | $3132.48 | $3132.48 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $27749.52 | 1 | xxxxxx | $2275.08 | xxxxxx | $189.59 | xxxxxx | xxxxxx | $250.00 |  | Monthly | 41.331% | 41.331% | 41.331% | 06/23/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9185.00 | xxxxxx | 6.830% | $0.00 |  |  |  |  | N/A | No | 7.500% | 1 |  | 1 | 0 | 3 | 1 |  |  | 5.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 107.03 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843942 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $12153.38 | $14069.38 | xxxxxx | 9.704% | $2971.91 | $2971.91 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20414.89 | 1 | xxxxxx | $2754.96 | xxxxxx | $229.58 |  |  |  |  |  | 17.570% | 17.570% | 17.570% | 05/29/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | Chapter 7 |  | xxxxxx | 1 | 47.64 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12153.38 | xxxxxx | 6.790% | $0.00 | 1.8 |  |  |  | Yes | No | 9.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $130566.52 | 30.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.33 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843967 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $16485.00 | $21207.50 | xxxxxx | 8.518% | $5258.87 | $5258.87 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8820.34 | 1 | xxxxxx | $5067.00 | xxxxxx | $422.25 |  |  |  |  |  | 42.060% | 42.060% | 42.060% | 07/16/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16485.00 | xxxxxx | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 66.47 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843972 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11499.00 | $21677.60 | xxxxxx | 7.831% | $11605.88 | $11605.88 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $32985.35 | 1 | xxxxxx | $2749.80 | xxxxxx | $229.15 | xxxxxx | xxxxxx | $714.00 |  | Monthly | 34.047% | 34.047% | 34.047% | 07/15/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11499.00 | xxxxxx | 6.790% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $843003.50 | 44.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.87 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844063 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1570.00 | $5761.74 |  | 7.007% | $2627.72 | $2627.72 | 6.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6071.17 | 1 | xxxxxx | $2877.00 | xxxxxx | $239.75 | xxxxxx |  | $21.00 |  | Monthly | 53.622% | 53.622% | 53.622% | 05/02/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1570.00 |  | 6.800% | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | 6.875% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $323881.75 | 53.980% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.41 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844064 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1615.00 | $5037.47 |  | 6.910% | $992.48 | $992.48 | 6.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7439.74 | 1 | xxxxxx | $1268.88 | xxxxxx | $105.74 | xxxxxx | xxxxxx | $455.00 |  | Monthly | 36.600% | 36.600% | 36.600% | 02/12/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1615.00 |  | 6.800% | $500.00 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $179852.20 | 58.010% | No | 9 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.33 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844084 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $7784.00 | $11042.59 | xxxxxx | 8.879% | $2091.44 | $2091.44 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6089.40 | 1 | xxxxxx | $1119.00 | xxxxxx | $93.25 | xxxxxx |  | $157.00 |  | Annually | 27.527% | 27.527% | 27.527% | 06/02/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7784.00 | xxxxxx | 6.750% | $300.00 | 1.2 |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $35785.98 | 10.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.74 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844120 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14678.37 | $6298.03 | xxxxxx | 7.605% | $3350.99 | $3350.99 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5335.35 | 1 | xxxxxx | $1092.96 | xxxxxx | $91.08 |  |  |  |  |  | 44.738% | 44.738% | 44.738% | 07/23/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14678.37 | xxxxxx | 6.750% | $0.00 | 1.6 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $34746.69 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.06 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844197 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $22921.30 | $22067.62 | xxxxxx | 8.234% | $7816.90 | $7816.90 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19070.95 | 1 | xxxxxx | $2031.00 | xxxxxx | $169.25 |  |  |  |  |  | 33.598% | 33.598% | 33.598% | 05/09/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22921.30 | xxxxxx | 6.920% | $14328.00 | 3.9 | LP / LPA |  | Accept/Ineligible | N/A | No | 8.000% | 0 |  | 2 | 0 | 3 | 0 |  |  | 5.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $172258.06 | 14.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.47 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844200 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7809.00 | $12278.68 | xxxxxx | 8.858% | $2454.37 | $2454.37 | 8.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $16499.85 | 1 | xxxxxx | $1556.04 | xxxxxx | $129.67 | xxxxxx | xxxxxx | $300.00 |  | Annually | 16.754% | 16.754% | 16.754% | 06/10/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7809.00 | xxxxxx | 6.750% | $10000.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 1 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $4627.63 | 1.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 29.48 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | Mortgagor Focused |
| xxxxxx | 844278 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6903.13 | $7945.92 | xxxxxx | 7.967% | $2552.22 | $2552.22 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $35320.41 | 1 | xxxxxx | $693.96 | xxxxxx | $57.83 | xxxxxx | xxxxxx | $40.00 |  | Monthly | 10.603% | 10.603% | 10.603% | 07/09/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6903.13 | xxxxxx | 6.670% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $46917.37 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 33.85 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844279 | xxxxxx | N/A |  |  | xxxxxx | No | No | $20854.00 | $5358.21 | xxxxxx | 7.800% | $2180.00 | $2180.00 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5398.61 | 1 | xxxxxx | $1020.96 | xxxxxx | $85.08 |  |  |  |  |  | 39.759% | 39.759% | 39.759% | 07/02/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20854.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $189347.65 | 49.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.71 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844282 | xxxxxx | N/A |  |  | xxxxxx | No | No | $11165.00 | $3599.17 | xxxxxx | 7.613% | $2031.22 | $2031.22 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7303.82 | 1 | xxxxxx | $1194.00 | xxxxxx | $99.50 | xxxxxx | xxxxxx | $38.00 |  | Monthly | 29.548% | 29.548% | 29.548% | 06/09/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11165.00 | xxxxxx | 6.830% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 122.81 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844283 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $14450.00 | $26514.04 |  | 7.530% | $8978.78 | $8978.78 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $28431.91 | 1 | xxxxxx | $6246.00 | xxxxxx | $520.50 |  |  |  |  |  | 37.122% | 37.122% | 37.122% | 07/03/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14450.00 |  | 6.670% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $891409.98 | 54.850% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 43.84 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844286 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20655.00 | $5719.76 | xxxxxx | 7.972% | $4843.46 | $4843.46 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14386.42 | 1 | xxxxxx | $2613.96 | xxxxxx | $217.83 | xxxxxx | xxxxxx | $235.00 |  | Annually | 44.784% | 44.784% | 44.784% | 06/18/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2023 |  | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20655.00 | xxxxxx | 6.790% | $0.00 |  |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $67144.90 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.05 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844290 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $17805.00 | $21819.74 | xxxxxx | 7.460% | $7258.36 | $7258.36 | 7.250% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $17494.66 | 1 | xxxxxx | $2592.96 | xxxxxx | $216.08 |  |  |  |  |  | 43.945% | 43.945% | 43.945% | 07/07/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Coborrower(s) - xxxxxx xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17805.00 | xxxxxx | 6.790% | $15000.00 |  |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1081615.07 | 81.320% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 95.26 |  | Yes | No | xxxxxx | $31209.67 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844291 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10910.00 | $12355.97 | xxxxxx | 8.395% | $2524.15 | $2524.15 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7720.35 | 1 | xxxxxx | $2547.00 | xxxxxx | $212.25 |  |  |  |  |  | 36.046% | 36.046% | 36.046% | 06/25/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10910.00 | xxxxxx | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $18103.17 | 4.210% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.99 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844304 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3408.67 | $3408.67 | 7.500% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1854.00 | xxxxxx | $154.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/08/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $184884.75 | 28.440% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.34 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 844356 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $39650.90 | $17588.71 | xxxxxx | 7.349% | $7803.99 | $7803.99 | 7.250% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $9523.05 | 1 | xxxxxx | $2295.00 | xxxxxx | $191.25 | xxxxxx | xxxxxx | $3200.00 |  | Annually | 53.963% | 53.963% | 53.963% | 06/04/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $39650.90 | xxxxxx | 6.790% | $0.00 | 3.3 |  |  |  | N/A | No | 7.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $776033.35 | 47.480% | No | 33 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 70.78 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844369 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $18076.76 | $20340.05 | xxxxxx | 8.328% | $3381.67 | $3381.67 | 7.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10569.03 | 1 | xxxxxx | $681.00 | xxxxxx | $56.75 |  |  |  |  |  | 39.606% | 39.606% | 39.606% | 06/19/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18076.76 | xxxxxx | 6.670% | $10000.00 | 1 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $59442.50 | 10.180% | No | 30 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.66 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844372 | xxxxxx | N/A |  |  | xxxxxx | No | No | $20274.38 | $10138.51 | xxxxxx | 8.167% | $2664.63 | $2664.63 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $53601.68 | 1 | xxxxxx | $1005.00 | xxxxxx | $83.75 |  |  |  |  |  | 29.656% | 29.656% | 29.656% | 06/05/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20274.38 | xxxxxx | 6.670% | $0.00 | 1.6 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $44.80 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 106.45 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844457 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10532.50 | $3020.17 | xxxxxx | 9.814% | $2792.02 | $2792.02 | 9.749% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $114754.56 | 1 | xxxxxx | $7137.24 | xxxxxx | $594.77 | xxxxxx | xxxxxx | $825.00 |  | Annually | 11.304% | 11.304% | 11.304% | 06/11/2025 | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10532.50 | xxxxxx | 6.920% | $0.00 | 1 |  |  |  | N/A | No | 9.749% | 0 |  | 3 | 0 | 2 | 2 |  |  | 3.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844460 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1087.61 | $1087.61 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2803.32 | xxxxxx | $233.61 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/30/2025 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.3 | 0.43 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 96.05 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844464 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13720.00 | $17716.82 | xxxxxx | 7.731% | $3349.45 | $3349.45 | 7.374% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13173.68 | 1 | xxxxxx | $651.96 | xxxxxx | $54.33 | xxxxxx | xxxxxx | $540.00 |  | Monthly | 37.002% | 37.002% | 37.002% | 05/02/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2024 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13720.00 | xxxxxx | 6.830% | $0.00 | 3.3 |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844466 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9755.00 | $12423.54 | xxxxxx | 7.489% | $1643.14 | $1643.14 | 6.999% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $26724.99 | 1 | xxxxxx | $1520.04 | xxxxxx | $126.67 | xxxxxx | xxxxxx | $475.00 |  | Annually | 9.368% | 9.368% | 9.368% | 06/10/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9755.00 | xxxxxx | 6.670% | $120950.00 | 4.7 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $4505.00 | 1.180% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.66 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844470 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1834.52 | $1834.52 | 7.624% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2598.96 | xxxxxx | $216.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/13/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.91 | 0.52 |  |  |  |  |  |  | 240 | xxxxxx | $432484.67 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 132.82 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 844471 | xxxxxx | N/A |  |  | xxxxxx | No | No | $47191.25 | $15915.86 | xxxxxx | 6.957% | $4377.59 | $4377.59 | 6.749% | No | No | Not Employed | Not Employed | Self-Employed | Not Employed | 10.88 | 0 |  |  | xxxxxx |  |  |  |  |  | $24720.76 | 1 | xxxxxx | $2673.48 | xxxxxx | $222.79 | xxxxxx | xxxxxx | $780.00 |  | Monthly | 29.527% | 29.527% | 29.527% | 05/09/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $47191.25 | xxxxxx | 6.670% | $0.00 |  |  |  |  | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $37500.73 | 4.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Member |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 13.66 |  | No | No | xxxxxx | $35078.53 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844476 | xxxxxx | N/A |  |  | xxxxxx | No | No | $24870.00 | $10564.58 | xxxxxx | 7.287% | $2211.91 | $2211.91 | 6.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4332.47 | 1 | xxxxxx | $2774.04 | xxxxxx | $231.17 |  |  |  |  |  | 48.404% | 48.404% | 48.404% | 06/16/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $24870.00 | xxxxxx | 6.770% | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $28868.25 | 6.070% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.58 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844481 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5468.19 | $2668.19 | xxxxxx | 8.490% | $895.24 | $895.24 | 8.249% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $5864.14 | 1 | xxxxxx | $1125.96 | xxxxxx | $93.83 |  |  |  |  |  | 16.948% | 16.948% | 16.948% | 06/25/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $5468.19 | xxxxxx | 6.670% | $0.00 |  |  |  |  | N/A | No | 8.249% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $65709.67 | 41.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 15.71 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | Mortgagor Focused |
| xxxxxx | 844482 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7820.00 | $10674.97 | xxxxxx | 7.124% | $2725.98 | $2725.98 | 6.874% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5558.24 | 1 | xxxxxx | $1767.00 | xxxxxx | $147.25 |  |  |  |  |  | 49.720% | 49.720% | 49.720% | 06/25/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7820.00 | xxxxxx | 6.770% | $0.00 | 1.1 |  |  |  | N/A | No | 6.874% | 2 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844483 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10045.00 | $11769.84 | xxxxxx | 7.331% | $2248.50 | $2248.50 | 6.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4920.39 | 1 | xxxxxx | $1236.12 | xxxxxx | $103.01 |  |  |  |  |  | 38.986% | 38.986% | 38.986% | 06/25/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10045.00 | xxxxxx | 6.770% | $2500.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $22363.87 | 4.580% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.73 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844491 | xxxxxx | N/A |  |  | xxxxxx | No | No | $29957.50 | $11944.21 | xxxxxx | 7.940% | $2797.28 | $2797.28 | 7.624% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $311561.96 | 1 | xxxxxx | $2700.00 | xxxxxx | $225.00 | xxxxxx | xxxxxx | $175.00 |  | Monthly | 10.891% | 10.891% | 10.891% | 06/18/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| 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) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - xxxxxx \| 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 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $29957.50 | xxxxxx | 6.750% | $0.00 | 2.6 |  |  |  | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 1.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 74.49 |  | No | No | xxxxxx | $349640.76 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844493 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $21830.00 | $0.00 | xxxxxx | 6.853% | $3544.43 | $3544.43 | 6.874% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $12970.99 | 1 | xxxxxx | $2656.92 | xxxxxx | $221.41 |  |  |  |  |  | 26.566% | 26.566% | 26.566% | 05/04/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $21830.00 | xxxxxx | 6.670% | $45600.00 | 1 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $106620.37 | 14.020% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 6.04 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | Mortgagor Focused |
| xxxxxx | 844499 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $21538.75 | $29085.80 | xxxxxx | 8.302% | $13029.60 | $13029.60 | 8.124% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $41558.70 | 1 | xxxxxx | $4535.04 | xxxxxx | $377.92 |  |  |  |  |  | 29.572% | 29.572% | 29.572% | 07/11/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 1 | 15.96 | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $21538.75 | xxxxxx | 6.750% | $0.00 | 2.6 |  |  |  | N/A | No | 8.124% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $136967.74 | 7.020% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.16 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844501 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13955.00 | $4028.05 | xxxxxx | 7.634% | $2125.41 | $2125.41 | 7.499% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4652.50 | 1 | xxxxxx | $945.96 | xxxxxx | $78.83 | xxxxxx | xxxxxx | $50.00 |  | Monthly | 43.512% | 43.512% | 43.512% | 07/08/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13955.00 | xxxxxx | 6.750% | $10200.80 | 1 |  |  |  | N/A | No | 7.499% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $52091.63 | 13.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.06 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844502 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6795.00 | $8734.99 | xxxxxx | 7.189% | $1297.06 | $1297.06 | 6.749% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3907.95 | 1 | xxxxxx | $1935.96 | xxxxxx | $161.33 |  |  |  |  |  | 45.416% | 45.416% | 45.416% | 06/19/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6795.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844567 | xxxxxx | N/A |  |  | xxxxxx | No | No | $28049.00 | $4913.35 | xxxxxx | 7.812% | $3438.78 | $3438.78 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25172.82 | 1 | xxxxxx | $1085.88 | xxxxxx | $90.49 | xxxxxx | xxxxxx | $130.00 |  | Monthly | 41.048% | 41.048% | 41.048% | 07/30/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $28049.00 | xxxxxx | 6.750% | $0.00 | 1.5 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $66936.94 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 73.79 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844701 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5369.20 | $6650.36 | xxxxxx | 7.581% | $2209.61 | $2209.61 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3757.40 | 1 | xxxxxx | $567.96 | xxxxxx | $47.33 |  |  |  |  |  | 42.283% | 42.283% | 42.283% | 05/20/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5369.20 | xxxxxx | 6.830% | $10000.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $28404.00 | 7.100% | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.13 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844707 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15724.10 | $19258.22 | xxxxxx | 8.398% | $9781.79 | $13969.71 | 9.350% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22687.02 | 1 | xxxxxx | $1131.96 | xxxxxx | $94.33 | xxxxxx | xxxxxx | $248.00 |  | Monthly | 42.449% | 31.826% | 42.449% | 05/28/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15724.10 | xxxxxx | 6.570% | $0.00 | 1 |  |  |  | No | No | 9.350% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $171483.33 | 8.490% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.89 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844708 | xxxxxx | N/A |  |  | xxxxxx | No | No | $54466.25 | $22795.05 | xxxxxx | 7.430% | $8714.80 | $8714.80 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $40694.41 | 1 | xxxxxx | $5895.00 | xxxxxx | $491.25 |  |  |  |  |  | 26.587% | 26.587% | 26.587% | 07/02/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $54466.25 | xxxxxx | 6.670% | $0.00 |  |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $812438.92 | 44.510% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844766 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $22900.00 | $35223.98 | xxxxxx | 7.723% | $9229.63 | $9229.63 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $23306.34 | 1 | xxxxxx | $2980.08 | xxxxxx | $248.34 |  |  |  |  |  | 34.062% | 34.062% | 34.062% | 06/17/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22900.00 | xxxxxx | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $447417.53 | 27.110% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.11 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844773 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $10330.94 | $12918.26 | xxxxxx | 8.996% | $2174.10 | $2174.10 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18063.40 | 1 | xxxxxx | $1248.72 | xxxxxx | $104.06 |  |  |  |  |  | 28.615% | 28.615% | 28.615% | 05/02/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10330.94 | xxxxxx | 6.790% | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 98.17 |  | Yes | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844775 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $43810.00 | $26644.11 | xxxxxx | 8.012% | $3817.71 | $3817.71 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $19445.46 | 2 | xxxxxx | $4887.00 | xxxxxx | $407.25 |  |  |  |  |  | 15.980% | 15.980% | 15.980% | 06/17/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $43810.00 | xxxxxx | 6.670% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 87.9 |  | No | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844776 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $35195.00 | $10077.89 | xxxxxx | 7.561% | $3757.27 | $3757.27 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13770.15 | 1 | xxxxxx | $1989.00 | xxxxxx | $165.75 |  |  |  |  |  | 28.123% | 28.123% | 28.123% | 05/12/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $35195.00 | xxxxxx | 6.770% | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $152379.51 | 22.400% | Yes |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.39 |  | No | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844777 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $58423.00 | $13194.07 | xxxxxx | 8.645% | $7295.45 | $7295.45 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $86753.72 | 1 | xxxxxx | $1745.04 | xxxxxx | $145.42 |  |  |  |  |  | 46.147% | 46.147% | 46.147% | 04/01/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $58423.00 | xxxxxx | 6.750% | $0.00 | 2.2 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $259804.74 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 56.83 |  | No | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844778 | xxxxxx | N/A |  |  | xxxxxx | No | No | $24755.22 | $9047.95 | xxxxxx | 8.325% | $3667.94 | $3667.94 | 8.125% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $29898.48 | 1 | xxxxxx | $1860.00 | xxxxxx | $155.00 | xxxxxx | xxxxxx | $75.00 |  | Monthly | 30.604% | 30.604% | 30.604% | 04/13/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $24755.22 | xxxxxx | 6.700% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $21371.32 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | No | 4.94 |  | No | No | xxxxxx | $21542.05 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844779 | xxxxxx | N/A |  |  | xxxxxx | No | No | $159398.00 | $62102.33 |  | 8.740% | $20183.98 | $20183.98 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $151697.55 | 1 | xxxxxx | $1191.00 | xxxxxx | $99.25 |  |  |  |  |  | 39.533% | 39.533% | 39.533% | 05/08/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  | xxxxxx | xxxxxx | $159398.00 |  | 6.740% | $0.00 | 5 |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $236608.95 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.95 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844872 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3180.00 | $9039.64 |  | 7.432% | $6906.75 | $6906.75 | 7.375% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $56480.15 | 1 | xxxxxx | $2805.24 | xxxxxx | $233.77 |  |  |  |  |  | 26.768% | 26.768% | 26.768% | 08/06/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2013<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available |  | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3180.00 |  | 6.630% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1754531.92 | 83.540% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 172.78 |  | Yes | No | xxxxxx | $77125.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844991 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15398.00 | $19887.75 | xxxxxx | 7.564% | $6216.08 | $6216.08 | 7.375% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $11341.12 | 1 | xxxxxx | $3918.00 | xxxxxx | $326.50 |  |  |  |  |  | 49.657% | 49.657% | 49.657% | 06/29/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 87.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15398.00 | xxxxxx | 6.880% | $0.00 | 2.2 |  |  |  | No | No | 7.375% | 0 | 1 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $294.41 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 36.19 |  |  | No | xxxxxx | $0.00 | $2859.21 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845007 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $14245.00 | $23606.06 | xxxxxx | 7.159% | $8315.44 | $8315.44 | 6.999% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17486.10 | 2 | xxxxxx | $2883.00 | xxxxxx | $240.25 |  |  |  |  |  | 41.175% | 41.175% | 41.175% | 03/26/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14245.00 | xxxxxx | 6.650% | $1737.00 |  |  |  |  | N/A | No | 6.999% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $2094321.62 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 124.77 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845014 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $14305.63 | $14325.16 | xxxxxx | 8.343% | $3351.15 | $3351.15 | 7.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5484.26 | 1 | xxxxxx | $1902.72 | xxxxxx | $158.56 |  |  |  |  |  | 44.351% | 44.351% | 44.351% | 04/23/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2010<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2010 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14305.63 | xxxxxx | 6.870% | $0.00 |  |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.69 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845016 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $8442.00 | $9998.25 | xxxxxx | 8.871% | $2249.07 | $2249.07 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3915.71 | 1 | xxxxxx | $1651.08 | xxxxxx | $137.59 | xxxxxx | xxxxxx | $120.00 |  | Monthly | 43.206% | 43.206% | 43.206% | 02/14/2025 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  | xxxxxx | xxxxxx | $8442.00 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 1 | 0 | 3 | 0 |  |  | 3.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 48.54 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845019 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $18490.00 | $16275.57 | xxxxxx | 8.666% | $7919.81 | $7919.81 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13711.13 | 1 | xxxxxx | $2862.96 | xxxxxx | $238.58 |  |  |  |  |  | 49.972% | 49.972% | 49.972% | 03/28/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $18490.00 | xxxxxx | 6.880% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $109349.63 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.22 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845025 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $37935.00 | $47365.92 | xxxxxx | 8.571% | $9886.67 | $9886.67 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $28783.64 | 1 | xxxxxx | $8843.04 | xxxxxx | $736.92 |  |  |  |  |  | 32.767% | 32.767% | 32.767% | 03/27/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| 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]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $37935.00 | xxxxxx | 6.870% | $0.00 | 3.2 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 46.38 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845026 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $12995.00 | $14117.76 | xxxxxx | 7.691% | $5069.31 | $5069.31 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $26532.61 | 1 | xxxxxx | $6034.80 | xxxxxx | $502.90 | xxxxxx | xxxxxx | $896.00 |  | Annually | 41.883% | 41.883% | 41.883% | 05/14/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  | xxxxxx | xxxxxx | $12995.00 | xxxxxx | 6.890% | $300000.00 | 1.2 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 4 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $78591.07 | 7.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.22 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845085 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $23972.85 | $33823.62 | xxxxxx | 8.527% | $8677.13 | $8677.13 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11529.40 | 1 | xxxxxx | $1991.04 | xxxxxx | $165.92 | xxxxxx |  | $635.00 |  | Monthly | 49.301% | 49.301% | 49.301% | 04/07/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 12 | Business | 22.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $23972.85 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $2405493.55 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 212.33 | Retail |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845118 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $30683.00 | $14210.33 | xxxxxx | 7.567% | $2619.56 | $2619.56 | 7.250% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $7338.22 | 1 | xxxxxx | $1430.76 | xxxxxx | $119.23 | xxxxxx | xxxxxx | $2160.00 |  | Annually | 41.942% | 41.942% | 41.942% | 07/10/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| 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 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $30683.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $111691.47 | 23.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 18.55 |  |  | Yes | xxxxxx | $12639.48 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845122 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $16662.63 | $8677.98 | xxxxxx | 7.672% | $1279.08 | $1279.08 | 7.250% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $3718.41 | 1 | xxxxxx | $1670.88 | xxxxxx | $139.24 |  |  |  |  |  | 33.504% | 33.504% | 33.504% | 06/06/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $16662.63 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $8400.35 | 3.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 4.58 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845236 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4495.00 | $6870.50 | xxxxxx | 7.366% | $3069.79 | $3069.79 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6979.64 | 1 | xxxxxx | $843.96 | xxxxxx | $70.33 |  |  |  |  |  | 42.119% | 42.119% | 42.119% | 07/15/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4495.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 30 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.56 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845239 | xxxxxx | N/A |  |  | xxxxxx | No | No | $23532.00 | $14287.00 | xxxxxx | 7.494% | $3329.02 | $3329.02 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20012.53 | 4 | xxxxxx | $2763.96 | xxxxxx | $230.33 |  |  |  |  |  | 31.417% | 31.417% | 31.417% | 06/10/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23532.00 | xxxxxx | 6.750% | $10000.00 |  |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $180733.30 | 29.620% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.01 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845243 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16018.75 | $2575.31 | xxxxxx | 7.650% | $5892.38 | $5892.38 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8586.15 | 1 | xxxxxx | $1308.96 | xxxxxx | $109.08 |  |  |  |  |  | 48.368% | 48.368% | 48.368% | 07/01/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50.000% | 100.000% |  |  | [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16018.75 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $244089.69 | 21.990% | No | 5 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.71 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845247 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7610.00 | $3774.42 | xxxxxx | 7.197% | $2075.05 | $2075.05 | 7.125% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $4608.00 | 1 | xxxxxx | $1005.00 | xxxxxx | $83.75 | xxxxxx |  | $23.00 |  | Monthly | 34.171% | 34.171% | 34.171% | 07/15/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7610.00 | xxxxxx | 6.750% | $2500.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $0.00 | 0.000% | No | 24 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 4.67 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845602 | xxxxxx | N/A |  |  | xxxxxx | No | No | $37898.00 | $15579.00 |  | 7.446% | $4911.67 | $4911.67 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $38974.49 | 1 | xxxxxx | $2411.28 | xxxxxx | $200.94 |  |  |  |  |  | 38.717% | 38.717% | 38.717% | 07/23/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 24mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $37898.00 |  | 6.610% | $0.00 | 2.6 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $201770.82 | 22.410% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846036 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2097.90 | $2097.90 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1661.04 | xxxxxx | $138.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/22/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.7 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.84 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.29 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 846040 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1243.49 | $1243.49 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1848.96 | xxxxxx | $154.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/11/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.2 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 103.9 | Retail |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 846041 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $929.96 | $929.96 | 7.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2682.48 | xxxxxx | $223.54 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/18/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 88.71 | Retail |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 846051 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $18545.00 | $23281.84 | xxxxxx | 9.079% | $8911.22 | $8911.22 | 8.875% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $22332.33 | 1 | xxxxxx | $1845.96 | xxxxxx | $153.83 | xxxxxx | xxxxxx | $185.00 |  | Monthly | 41.650% | 41.650% | 41.650% | 03/28/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $18545.00 | xxxxxx | 6.800% | $5550.00 | 1 |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $359827.83 | 25.700% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.72 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846085 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $19814.72 | $26657.06 | xxxxxx | 8.259% | $6359.80 | $6359.80 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $286191.44 | 1 | xxxxxx | $3849.12 | xxxxxx | $320.76 | xxxxxx | xxxxxx | $1200.00 |  | Annually | 6.540% | 6.540% | 6.540% | 05/28/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $19814.72 | xxxxxx | 6.830% | $0.00 | 1.4 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $20000.00 | 1.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.27 | Retail | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846208 | xxxxxx | N/A |  |  | xxxxxx | No | No | $29521.00 | $10143.19 | xxxxxx | 6.888% | $3672.99 | $3672.99 | 6.562% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $22024.02 | 1 | xxxxxx | $5494.44 | xxxxxx | $457.87 |  |  |  |  |  | 40.948% | 40.948% | 40.948% | 06/13/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $29521.00 | xxxxxx | 6.090% | $0.00 | 4.2 |  |  |  | N/A | No | 6.562% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $35000.00 | 5.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 150.93 |  | No | No | xxxxxx | $37296.05 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846409 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10690.00 | $13614.50 | xxxxxx | 7.313% | $4150.11 | $4150.11 | 7.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11335.15 | 1 | xxxxxx | $513.96 | xxxxxx | $42.83 | xxxxxx | xxxxxx | $393.00 |  | Monthly | 40.341% | 40.341% | 40.341% | 07/23/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10690.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $203445.77 | 26.420% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.88 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846707 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16753.16 | $18888.22 | xxxxxx | 7.106% | $2465.70 | $2465.70 | 6.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4639.89 | 1 | xxxxxx | $798.96 | xxxxxx | $66.58 |  |  |  |  |  | 42.597% | 42.597% | 42.597% | 05/13/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16753.16 | xxxxxx | 6.670% | $25000.00 | 1 |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $98337.86 | 20.420% | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.77 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |

---

## Exhibit 99.8

**EXHIBIT 99.8**

**AMC TAX AND TITLE REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Servicer LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Critical Defect** | **SMtg Open** | **Address Variation** | **Origination Vesting** | **Current Vesting** | **SMtg First Position Mortgage** | **Prior Lien / Judgment** | **Municipal Lien** | **Association Super Lien** | **Property Tax Lien** | **Property Tax Status** | **SMtg Lien Position (Mortgages)** | **Critical Exception Count** | **Prior Mortgage Exception Count** | **Prior Mortgage Exception Total** | **Prior Mortgage Exception Details** | **Prior Lien Exception Count** | **Prior Lien Exception Total** | **Prior Lien Exception Details** | **Municipal Lien Exception Count** | **Municipal Lien Exception Total** | **Municipal Lien Exception Details** | **Property Tax Lien Exception Count** | **Property Tax Lien Exception Total** | **Property Tax Lien Exception Details** | **Association Lien Exception Count** | **Association Lien Exception Total** | **Association Lien Exception Details** | **IRS Lien Exception Count** | **IRS Lien Exception Total** | **IRS Lien Exception Details** | **Deed Vesting Exception Categories** | **Property Tax Status Issue** | **DQ Property Tax Amount** | **Property Tax Status Details** | **Final Event Level** | **Title Exceptions** | **Title Comments** |
| 837839 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 20 | xxxxxx as Nominee for xxxxxx in xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Lien - Title Policy Coverage | This Prior Lien was recorded on xxxxxx by xxxxxx IAO $xxxxxx Covered by Title Policy. |
| 840227 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 16 | xxxxxx., as nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 841637 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 20 | xxxxxxas Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 841638 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 27 | xxxxxxas Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust | Tax Report Not Available |  |  | 2 | Transferred to Land Trust | The subject property has been transferred into a Land Trust. A Quitclaim Deed recorded on xxxxxx granted ownership from xxxxxx and xxxxxx, who took title as, xxxxxx and xxxxxx, husband and wife as joint tenants" to xxxxxx and xxxxxx as Trustees of the xxxxxx and xxxxxx Revocable Trust dated xxxxxx |
| 841639 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 22 | xxxxxxas Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| 841640 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 28 | xxxxxxas Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| 842334 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 20 | xxxxxxas Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 648 | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 842335 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxxas Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1411 | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Origination Balance** | **Origination Date** | **Unique Exception ID** | **Exception Grade** | **Raw Exception Grade** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **SOL Expired** | **SOL Expiration Date** | **Exception Detail** | **Title Policy Insurer** | **Title Policy Effective Date** | **Title Policy Exception** | **Paid on HUD** | **CBR Status** | **Borrower Vested on Title Policy** | **Lien Amount** | **Accrual Rate** | **Lienholder** | **Recording Date** | **Additional Exception Information** |
| 837839 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Lien Priority | Prior Lien - Title Policy Coverage | No |  | Final | xxxxxx | xxxxxx | No | Yes |  |  | xxxxxx |  | xxxxxx | xxxxxx | Prior Lien - Title Policy Coverage - This Prior Lien was recorded on xxxxxx by xxxxxx IAO $xxxxxx. Covered by Title Policy. |
| 841638 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | Transferred to Land Trust - The subject property has been transferred into a Land Trust. A Quitclaim Deed recorded on xxxxxx granted ownership from xxxxxx and xxxxxx, who took title as, "xxxxxx and xxxxxx, husband and wife as joint tenants" to xxxxxx and xxxxxx as Trustees of the xxxxxx and xxxxxx Revocable Trust dated xxxxxx |

---

## Exhibit 99.9

**EXHIBIT 99.9**

**CANOPY FINANCIAL TECHNOLOGY PARTNERS, LLC ("CANOPY") NARRATIVE**

**NARRATIVE**

**Verus 2025-9**

**By Canopy Financial Technology Partners LLC on September 23, 2025**

Canopy Financial Technology Partners LLC

<u>chweeler@canopytpr.com</u> \| 801-792-2995 \| <u>www.canopytpr.com</u>

Address: 1 Research Court, Suite 450, Rockville, MD 20850

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by VMC Asset Pooler, LLC (the "Client") or its affiliated company. The Review was conducted from April 2025 to August 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of two-hundred thirty-four (234) Loans with an aggregate principal balance of $121,908,845.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs), S&P Global Ratings and Kroll Bond Rating Agency, LLC.

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** |  |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;DSCR (when applicable) | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Initial Monthly P&I or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

---

| | |
|:---|:---|
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio (when applicable) | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

**Loan Attributes.** To determine borrower program eligibility, Canopy verified the following loan attributes and, where applicable, re-calculated based on the information provided.

· Assets and Reserves;

· DTI (when applicable);

· DSCR (when applicable);

· Gross Income (when applicable);

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

**Credit Application:** For the Credit Application (1003), Canopy verified whether

· All known borrower-owned
 properties are disclosed on the REO Section;

· Borrower(s) employment
 history;

· Citizenship and eligibility;

· First time home buyer status;

· The application was signed
 by all borrowers; and

· The application was substantially
 completed.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure
 seasoning;

· Capture the monthly consumer
 debt payments for use in the applicable DTI calculation;

· Installment and revolving
 payment history;

· Mortgage/rental payment
 history;

· Note and research the Real
 Estate Owned, OFAC, and Fraud alerts;

· Number of tradelines; and

· Representative Credit Score
 and Methodology.

**Employment and Income:** Canopy determined whether all applicable supporting documentation as required by Seller's Guidelines and Ability to Repay ("**ATR**") when applicable per above were in the file. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with Seller's Guidelines. Documentation verifying employment and income were deemed acceptable if it was a third-party document as required by the Seller's Guidelines and ATR when applicable per above and may include:

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters; and/or

· IRS Tax Transcripts (compared
 to Tax Returns provided by Borrower(s)).

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor. In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

· Borrower identity:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower name variations

· Employment:

· Licensing – reviewed
 NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Subject property ownership
 history

· OFAC.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

**Asset Review:** Canopy assessed whether the asset documentation required by the Seller's Guidelines and ATR, when applicable, was present in the Loan File. Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller's Guidelines, including a review of any large deposits. Canopy re-calculated gross, net, and liquid asset balances. The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

· Depository account statements;

· Gift funds;

· Settlement statement or
 other evidence of conveyance and transfer of funds if a sale of assets was involved;

· Stock or security account
 statements; and/or

· VOD's.

**Hazard/Flood insurance/Taxes:** A review of the insurance present on the loan was performed by Canopy as follows:

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

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

· Confirmed that the premium
 amount on both the hazard and flood insurance match what was used in the DTI calculations;

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

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

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

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

**Automated Underwriting System Findings:** N/A

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination
 Agreement;

· Mortgage Insurance;

· Underwriting Approval Documentation
 inclusive, but not limited to documents listed in the Credit Review section herein;

· Flood Certification;

· Initial and Final Loan
 Estimate (LE);

· Initial and Final and Closing
 Disclosure (CD); and

· Post-Consummation Closing
 Disclosure (PC-CD) [if applicable].

**Business Purpose Validation (when applicable)**

For Loans originated as Business Purpose loans (as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act ("TILA") [15 U.S.C. 1601 et seq.]), Canopy assessed that the facts and circumstances of the subject loan did not trigger Consumer Purpose classification (also as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act [15 U.S.C. 1601 et seq.]).

**"Missing Document" to Cleared Exception:** In the event that there was no express statement in the Loan File, and there was no express evidence in the Loan File that the loan proceeds were used for "Business Purpose" Canopy assigned the file a "D" grade for missing said documentation. In the event that the express statement, or with clear, unequivocal documented evidence of use of loan proceeds for non-consumer, business purpose, was provided by the lender that defines and/or evidences the "primary purpose" of the loan as "business purpose" the "D" grade – "Missing Document", was cleared by Canopy.

**"Missing Document" to "B" Grade:** In the event that there was no express statement in the Loan File, and there was no express evidence provided that the loan proceeds were used for "Business Purpose", Canopy gave the file a "D" grade, for missing documentation. In the event that there was not any express statement or evidence of business purpose use of the proceeds, then the "D" grade – "Missing Document" initial finding was re-graded after conducting a full Consumer Purpose, regulatory compliance review, as applicable to assignees for Consumer Purpose loans. In the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**"Material Compliance Violation":** In the event that no express statement existed in the Loan File, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds were, to best identify that the "primary purpose" of the loan was not in fact for "business purpose" as relied upon by the lender, but is in fact for a "consumer purpose". If, in fact, evidence existed that the proceeds were used for personal, Consumer Purpose, then Canopy identified that the "primary purpose" of the loan is not "business purpose" and as "consumer purpose" subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a "C" grade.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

**"Material Compliance Violation" to "B" Grade:** The above noted Material Compliance Violation was re-graded to a "B" grade by conducting a full Consumer Purpose regulatory compliance review, as applicable to assignees for Consumer Purpose loans, and in the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**Compliance Review**

Canopy reviewed each Loan File and, if applicable, verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Canopy' review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

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

(ii) the **Truth in Lending Act** (" <u>TILA</u> "), as amended
 by HOEPA, 15 U.S.C. §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026;

(iii) the **Real Estate Settlement Procedures Act** (" <u>RESPA</u> "),
 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024; and

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

**I.** **Compliance Documentation Requirements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 of the following documents as they related to regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Initial and final application (1003);

ii. Note, including all addendums;

iii. Copy of note for any junior liens
 (if applicable);

iv. Mortgage / Deed of Trust, including
 all riders;

v. Initial, Interim, and Final Loan Estimates
 ("LE");

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

vii. Notice of Right to Cancel (as applicable);

viii. Rate Lock Date Information;

ix. HOEPA Disclosures (if applicable);
 and

x. Initial Escrow Account Disclosure.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

**II.** **Anti-Predatory Lending (Assignee Liability)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loans were reviewed for violations of
 federal, state & local high cost, higher-priced and/or consumer finance laws and regulations
 that carry Assignee Liability, including those defined below. Any loan that is determined
 to be classified and/or defined as high cost, higher-priced, subprime, threshold, predatory
 high risk, covered or similar classification/definition was reported.

**III.** **Compliance Testing Elements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. **Truth-in-Lending Act (TILA) / Regulation Z**: Loans were reviewed to determine compliance with the following requirements of TILA
 and Regulation Z, including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs and CDs with a report outlining
 any TILA violations, including a re-calculation of disclosed finance charge, principal and
 interest calculations, proper completion of the Projected Payments table, total of payments,
 finance charge, amount financed, recalculation of disclosed APR and a review to determine
 disclosure differences were within the allowed tolerances and disclosures were provided within
 the required timeframes. Testing will be conducted to fulfill the elements Structured Finance
 Association (SFA) TRID Compliance Review Scope ("TRID Grid 4.0" v.02-16-2023);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Right of Rescission**. A review
 of the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the
 transaction date and expiration date, ensuring proper execution of the Notice of Right to
 Cancel by all required parties, verifying the disbursement date and determining if a full
 three (3) day rescission period was adequately provided to the borrower(s). The appropriate
 Model Form will be tested according to applicable U.S. Court of Appeals, Circuit Court rulings;
 and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Real Estate Settlement Procedures Act (RESPA)/Regulation X**: Review to ensure compliance with RESPA/Regulation X documentation
 and timing requirements in effect at origination of the mortgage loan for RESPA disclosures
 (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow
 Disclosure Statement; List of Homeownership Counselling Organizations).

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Equal Credit Opportunity Act (ECOA)/Regulation B**: Confirm compliance with the January 18, 2014 requirements regarding the disclosure
 of the right to receive a copy of appraisals within three (3) business days of application,
 the right to receive a copy of the appraisals at least three (3) business days prior to consummation
 and any applicable waiver. The disclosure of the right to receive a copy of appraisals may
 be met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. **Fair Credit Reporting Act (FRCA)/Regulation V**: Confirm compliance with the current FCRA/Regulation V requirements regarding risk-based
 pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e.** **Miscellaneous Compliance Testing:** 

i. Mandatory Arbitration – Canopy
 will report mandatory arbitration provisions present in the Loan File.

ii. Single Premium Credit Insurance –
 Canopy will report single premium credit insurance policies or debt cancellation agreements
 present in the Loan File.

iii. TPR will test for state prepayment
 and late charge restrictions. If a prepayment penalty that exceeds the state permitted penalty
 has expired, this must be reported.

**State & Local Anti-Predatory Requirements**

The following is an itemization of the generally understood current and historical state and local anti-predatory lending requirements, as customary in secondary market due diligence compliance testing:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

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

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

· Maine, An Act to Enhance Consumer
 Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann. §§ 8-103(1);
 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009),
 and regulation Z-3.

· Maryland Commercial Law, Mary. Stat.
 Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by Maryland Senate Bill
 270 (2008) and Maryland Regulations under the Maryland Mortgage Lender Law (2009).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

· Rhode
 Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI Gen. L. et seq., as
 implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007)
 and amended by Senate Bill 371 (2007).

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

· South
 Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

· Tennessee
 Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Canopy reviews the loan to determine whether, based on available information in the Loan File: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

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

Ability to Repay (ATR)

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

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

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

**Valuation Review**

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

· With
 respect to Title XI of FIRREA, Canopy checked for the presence of the appraiser's license,
 and reviewed for the presence of any red flags related to the mortgaged property that may
 have posed a risk to the property or occupants.

· With
 respect to USPAP, Canopy confirmed the appraiser's certification is present and executed
 within the original appraisal.

***Independent third-party values***

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

**Valuation Reconciliation Process:**

· If
 a Desk Review, or other acceptable review product, was provided supporting the origination
 appraised value within a -10% variance and acceptable confidence score, no additional products
 were required.

· In
 the event a Desk Review yielded material exceptions or had a value exceeding a negative ten
 percent (-10%) variance, a field review or second appraisal was ordered to further establish
 value.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

**Agency Eligible Loans:**

· For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered an AVM or Desk Review. If the CU Score was less than or equal to 2.5, no further review product was required based on market acceptance of Agency Eligible Loans.

· For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered an AVM or Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no further review product was required based on market acceptance of Agency Eligible Loans.

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

Upon completion of the Loan File review, Canopy assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Form ABS Due Diligence-15E.

---

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

---

---

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

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

---

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

---

---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 72.65% (170 Loans) have an overall grade of "A" and 27.35% (64 Loans) have an overall grade of "B".

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

Canopy's review concluded a Credit grade of "A" for one-hundred seventy-three (173) Loans reviewed (73.93%), and a Credit grade of "B" for sixty-one (61) Loans (26.07%).

Canopy's review concluded a Compliance grade of "A" for two-hundred thirty (230) loans reviewed (98.29%), and a Compliance grade of "B" for four (4) Loans (1.71%).

Canopy's review concluded a Property/Valuation grade of "A" for two-hundred thirty-three (233) Loans reviewed (99.57%), and a Property/Valuation grade of "B" for one (1) Loan (0.43%).

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;170 | &nbsp;&nbsp;72.65% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;64 | &nbsp;&nbsp;27.35% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**234** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;173 | &nbsp;&nbsp;73.93% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;61 | &nbsp;&nbsp;26.07% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**234** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;230 | &nbsp;&nbsp;98.29% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.71% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**234** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;233 | &nbsp;&nbsp;99.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**234** | &nbsp;&nbsp;**100.00%** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;227 | &nbsp;&nbsp;97.01% | &nbsp;&nbsp;$119264365.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.99% | &nbsp;&nbsp;$2644480.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**234** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$121908845.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;223 | &nbsp;&nbsp;95.30% | &nbsp;&nbsp;$119605214.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;11 | &nbsp;&nbsp;4.70% | &nbsp;&nbsp;$2303631.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**234** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$121908845.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans<br> other than loans secured by real estate | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.85% | &nbsp;&nbsp;$465000.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.43% | &nbsp;&nbsp;$1105000.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;82 | &nbsp;&nbsp;35.04% | &nbsp;&nbsp;$39612061.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;37 | &nbsp;&nbsp;15.81% | &nbsp;&nbsp;$17906801.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;97 | &nbsp;&nbsp;41.45% | &nbsp;&nbsp;$56503083.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;15 | &nbsp;&nbsp;6.41% | &nbsp;&nbsp;$6316900.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**234** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$121908845.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.43% | &nbsp;&nbsp;$101784.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;226 | &nbsp;&nbsp;96.58% | &nbsp;&nbsp;$117029461.00 |
| &nbsp;&nbsp;361 - 420 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.99% | &nbsp;&nbsp;$4777600.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**234** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$121908845.00** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;92 | &nbsp;&nbsp;39.32% | &nbsp;&nbsp;$54002927.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.71% | &nbsp;&nbsp;$1934100.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;138 | &nbsp;&nbsp;58.97% | &nbsp;&nbsp;$65971818.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**234** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$121908845.00** |

---

**DATA COMPARISON RESULTS**

Of the two-hundred thirty-four (234) Loan files reviewed, eighty (80) unique loans (34.19% by number) had one-hundred thirty (130) tape comparison discrepancies across twenty-three (23) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans<br> with <br> Discrepancy** | &nbsp;&nbsp;**Total<br> Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;234 | &nbsp;&nbsp;1.28% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;10 | &nbsp;&nbsp;234 | &nbsp;&nbsp;4.27% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;234 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;234 | &nbsp;&nbsp;1.28% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;234 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;9 | &nbsp;&nbsp;234 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;14 | &nbsp;&nbsp;234 | &nbsp;&nbsp;5.98% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;234 | &nbsp;&nbsp;2.99% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;234 | &nbsp;&nbsp;0.85% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;21 | &nbsp;&nbsp;234 | &nbsp;&nbsp;8.97% |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;234 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;234 | &nbsp;&nbsp;0.85% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;8 | &nbsp;&nbsp;234 | &nbsp;&nbsp;3.42% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;6 | &nbsp;&nbsp;234 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;234 | &nbsp;&nbsp;1.71% |
| &nbsp;&nbsp;Qualifying Loan Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;234 | &nbsp;&nbsp;1.71% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;7 | &nbsp;&nbsp;234 | &nbsp;&nbsp;2.99% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;14 | &nbsp;&nbsp;234 | &nbsp;&nbsp;5.98% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;2 | &nbsp;&nbsp;234 | &nbsp;&nbsp;0.85% |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;234 | &nbsp;&nbsp;1.28% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;234 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;Total Monthly Property Insurance Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;5 | &nbsp;&nbsp;234 | &nbsp;&nbsp;2.14% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;234 | &nbsp;&nbsp;0.85% |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

**Disclaimer**

*Canopy Financial Technology Partners, LLC ("the Company") performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).* 

*Ratings, analysis, reports, and other opinions (referred to collectively as "Reports") issued by the Company are provided "as is" and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared and no individual shall be exclusively deemed the "author" of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.* 

*Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.* 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to creditworthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.* 

*Reports may contain assumptions and/or predictions regarding future events which are "forward-looking" and inherently cannot be verified as facts. Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made. Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report's assumptions and/or conclusions. As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.* 

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

## Exhibit 99.10

**EXHIBIT 99.10**

**CANOPY EXCEPTIONS REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 828820 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 828822 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-08 11:53 | 2025-07-17 08:56 | Resolved | 1 - Information D A | Property | Missing Doc | Updated Completion Report (442/10040) is missing | Resolved-1004D stating xxxxxx has been completed was provided. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/16/2025 <br> Open-Per updated completion report in file, the xxxxxx and xxxxxx had not been completed at the time of re-inspection. Update required. - Due Diligence Vendor-07/08/2025 |  | Resolved-1004D stating xxxxxx up has been completed was provided. - Due Diligence Vendor-07/17/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 110.49 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.87% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 828822 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-08 11:45 | 2025-07-09 15:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Business LLC Docs provided. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Entity docs - Buyer-07/08/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Certificate of Good Standing. - Due Diligence Vendor-07/08/2025 |  | Resolved-Business LLC Docs provided. - Due Diligence Vendor-07/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 110.49 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.87% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 828823 | xxxxxx | -- C A | Closed | xxxxxx | 2025-07-08 18:25 | 2025-07-22 08:10 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Final Inspection - Buyer-07/21/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Missing 1004D completion report. - Due Diligence Vendor-07/08/2025 |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-07/22/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 110.27 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 828829 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 828831 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833069 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833700 | xxxxxx | -- D A C | Closed | xxxxxx | 2025-08-04 17:08 | 2025-08-18 12:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Credit monitoring report shows no new debt has been opened prior to close. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-08/18/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/04/2025 |  | Resolved-Credit monitoring report shows no new debt has been opened prior to close. - Due Diligence Vendor-08/18/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 23.85% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833700 | xxxxxx | -- D A C | Closed | xxxxxx | 2025-08-04 18:18 | 2025-08-13 23:21 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Proof appraisal was sent to borrower more than 3 days prior to consummation is verified. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-PLease see attached - Due Diligence Vendor-08/14/2025 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. \*\*Unable to determine if loan is HPML Compliant; missing evidence that borrower received the appraisal at least 3 business days prior to closing. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 |  | Resolved-Proof appraisal was sent to borrower more than 3 days prior to consummation is verified. - Due Diligence Vendor-08/14/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.17 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 23.85% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833843 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-06-10 11:36 | 2025-06-17 07:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD provided - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. - Seller-06/16/2025 <br> Open- - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-06/16/2025<br>| Resolved-Final HUD provided - Due Diligence Vendor-06/17/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.02 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833843 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-06-10 12:41 | 2025-06-13 11:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Business Documents Provided - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Articles, COGS and EIN for xxxxxx, only Operating Agreement in file. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025<br>| Resolved-Business Documents Provided - Due Diligence Vendor-06/13/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.02 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833843 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-06-07 07:05 | 2025-06-10 12:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $1000000 The current loan amount of xxxxxx exceeds the limit of $1,000,000. - Due Diligence Vendor-06/07/2025 |  | Waived-Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $1000000 The current loan amount of xxxxxx exceeds the limit of $1,000,000. - Due Diligence Vendor-06/07/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.02 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months | Reserves over 20+ months <br> Mortgage payment 0X30  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 833843 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-06-07 07:05 | 2025-06-10 12:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 65% exceeds Guideline LTV of 55% The current ltv of 65% is more than the acceptable limit of 55% as per (loan program code) guidelines. Restructure the loan to bring ltv within allowable limit. - Due Diligence Vendor-06/07/2025 |  | Waived-Audited LTV of 65% exceeds Guideline LTV of 55% The current ltv of 65% is more than the acceptable limit of 55% as per (loan program code) guidelines. Restructure the loan to bring ltv within allowable limit. - Due Diligence Vendor-06/07/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.02 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months | Reserves over 20+ months <br> Mortgage payment 0X30  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 833843 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-06-07 07:05 | 2025-06-10 12:39 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-current dscr of 0.51 does not meet min dscr of 0.80 to <1.0 - Due Diligence Vendor-06/07/2025 |  | Waived-current dscr of 0.51 does not meet min dscr of 0.80 to <1.0 - Due Diligence Vendor-06/07/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.02 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months | - Reserves over 20+ months <br> - Mortgage payment 0X30 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 833843 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-06-07 07:06 | 2025-06-10 12:39 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Waived-Exception to use asset expiration date up to 90 days while program guidelines allow up to 60 days - Due Diligence Vendor-06/07/2025 |  | Waived-Exception to use asset expiration date up to 90 days while program guidelines allow up to 60 days - Due Diligence Vendor-06/07/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.02 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months | - Reserves over 20+ months <br> - Mortgage payment 0X30 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835202 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-07-18 20:16 | 2025-08-13 17:24 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | xxxxxx xxxxxxA 3/2003 High Cost Home Loan Points and Fees Threshold Test | Cured-Document Uploaded. 8/6/25 - Please see Lender's cure and passing xxxxxx. - Due Diligence Vendor-08/13/2025 <br> Cured- - Due Diligence Vendor-08/13/2025 <br> Acknowledged- - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. 8/6/25 - Please see Lender's cure and passing xxxxxx. - Due Diligence Vendor-08/07/2025 <br> Counter-xxxxxx Provided -- RE: "Note that the Fail is due to Error 1001293-Seasoned Qualified mortgage must be first lien loan. This is a close-end 2nd and the below doesn't apply.", This is not a factor in the finding. \*\*\*RE: "We are under the 5% as well.", Per both xxxxxx Provided and xxxxxx TPR testing the High Cost (xxxxxx 2014) Second Pass variance amount is $310.15. ---- Note: xxxxxx loan amount is based on 5% of the total loan amount, as calculated under the xxxxxx Fair Lending Act ($130,533.72), and not necessarily the face value loan amount. - Due Diligence Vendor-07/23/2025 <br> Open- - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. 7/22/25 - Lender response: Please see xxxxxx Report. Note that the Fail is due to Error 1001293-Seasoned Qualifed mortgage must be first lien loan. This is a close-end 2nd and the below doesn't apply. We are under the 5% as well. - Due Diligence Vendor-07/23/2025 <br> Open-This loan has terms that exceed the high-cost home loan points and fees threshold. (xxxxxx SB 53 7-6A-2(7),(17)(B))The total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed:5 percent of the total loan amount if the total loan amount is $xxxxxx or more.The lesser of 8 percent of the total loan amount or $1,000.00 if the total loan amount is less than $xxxxxx. \*\*Loan failed the xxxxxx High Cost test due to exceeding the total loan points and fees threshold. Lender to provide a copy of their internal compliance test results at closing for review. - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/19/2025 |  | Cured-Document Uploaded. 8/6/25 - Please see Lender's cure and passing xxxxxx. - Due Diligence Vendor-08/13/2025 <br> Cured- - Due Diligence Vendor-08/13/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.37 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.63% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835702 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836797 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837369 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-07 10:07 | 2025-08-07 10:07 | Waived | 2 - Non-Material B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Exception to allow business assets at 100% when borrower is only 50% owner. - Due Diligence Vendor-08/07/2025 |  | Waived-Exception to allow business assets at 100% when borrower is only 50% owner. - Due Diligence Vendor-08/07/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required<br> DTI <= 36% which is below requirement in guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 837656 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 838171 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-07 14:30 | 2025-07-10 22:42 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. 1008 and CLA uploaded - Due Diligence Vendor-07/11/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-07/07/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.44 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838510 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-02 01:13 | 2025-07-31 00:24 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is Single Family Detached) - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. See revised appraisal - Due Diligence Vendor-07/31/2025 <br> Open-PUD Rider is Missing - Due Diligence Vendor-07/02/2025 |  | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is Single Family Detached) - Due Diligence Vendor-07/31/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.73 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.33% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838510 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-03 09:59 | 2025-07-03 09:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception was granted for: First Time Investor would like to do a Cashout Refi - recently inherited property. - Due Diligence Vendor-07/03/2025 |  | Waived-Exception was granted for: First Time Investor would like to do a Cashout Refi - recently inherited property. - Due Diligence Vendor-07/03/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.73 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.33% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines. Reserves exceed requirement by 10 months or more. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 838551 | xxxxxx | -- C A | Closed | xxxxxx | 2025-07-03 09:44 | 2025-07-28 19:14 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Inspection provided showing installation of detectors was done accurately and completely. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. See attached inspection - Due Diligence Vendor-07/28/2025 <br> Open-Provide appraiser confirmation that the xxxxxx were installed. Appraiser states, "Appraiser did not observe the presence of xxxxxx at the time of inspection." xxxxxx state law states, As of January 1, 2019, the xxxxxx Uniform Fire Code (UFC) requires a certificate of xxxxxx compliance before any person may sell, lease, or change occupancy of any one-family or two-family dwelling in the state. - Due Diligence Vendor-07/03/2025 |  | Resolved-Inspection provided showing xxxxxx was done accurately and completely. - Due Diligence Vendor-07/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 696 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 107.96 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838577 | xxxxxx | -- D A | Closed | xxxxxx | 2025-06-03 13:10 | 2025-07-16 07:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Note data is missing or inaccurate | Resolved-Corrected Note, DOT, business purpose cert, occupancy certs, and federal notices now showing LLC member titles added to signature lines provided - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/11/2025 <br> Open-Note, DOT, business purpose cert, occupancy certs, and federal notices to be corrected with LLC member titles added to signature lines. - Due Diligence Vendor-06/03/2025 |  | Resolved-Corrected Note, DOT, business purpose cert, occupancy certs, and federal notices now showing LLC member titles added to signature lines provided - Due Diligence Vendor-07/16/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.89 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838577 | xxxxxx | -- D A | Closed | xxxxxx | 2025-06-03 13:49 | 2025-06-09 12:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. See Master HOI and HO6 policy, they both have policy numbers on them xxxxxx - Buyer-06/05/2025 <br> Open-Missing HO-6 Master Insurance Policy Missing master condo policy, slight information on page 776 - Due Diligence Vendor-06/03/2025 |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-06/09/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.89 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838582 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-11 13:38 | 2025-07-18 10:53 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. yes im so xxxxxx i was trying to waste your time I dont have a delete button so i could not reupload ... here is the correct 1008 - Seller-07/15/2025 <br> Counter-Incorrect Borrower & Subject Property 1008 was provided. Please provide 1008 for xxxxxx for property located at xxxxxx - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-07/14/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. yes im so xxxxxx i was trying to waste your time I dont have a delete button so i could not reupload ... here is the correct 1008 - Seller-07/15/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-07/14/2025 | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/16/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.53% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.25 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838582 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-11 13:38 | 2025-07-18 10:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 23.25 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. LOE, bank statements and operating agreement - Seller-07/17/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 2 Loan is short 2 months reserves / $16,008.82 in assets required - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. LOE, bank statements and operating agreement - Seller-07/17/2025 | Resolved-Audited Reserves of 23.25 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-07/18/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.53% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.25 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838582 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-10 09:05 | 2025-07-15 13:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. business purpose - Seller-07/14/2025 <br> Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. business purpose - Seller-07/14/2025 | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-07/15/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.53% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.25 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838582 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-10 09:50 | 2025-07-15 13:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-07/14/2025 <br> Open-Missing Third Party Fraud Report Provide acceptable fraud alert - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. xxxxxx - Seller-07/14/2025 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.53% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.25 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838582 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-10 09:51 | 2025-07-15 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. flood cert - Seller-07/14/2025 <br> Open-Missing Flood Certificate Provide Flood Document for the Subject Property. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. flood cert - Seller-07/14/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.53% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.25 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838775 | xxxxxx | -- D A | Closed | xxxxxx | 2025-06-13 12:02 | 2025-06-16 15:03 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Second Appraisal is Missing | Resolved-BPO provided. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/15/2025 <br> Open-Missing appraisal review per Guidelines Section 1.9.1.3.2. - Due Diligence Vendor-06/13/2025 |  | Resolved-BPO provided. - Due Diligence Vendor-06/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.06 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months. Months Reserves Of 28.06 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.67 Years. Borrower At Current Residence For Five (5) Or More Years - 12.67 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30.3% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More. Original LTV Of 30.3% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points. Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838846 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-07 09:32 | 2025-07-07 15:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program xxxxxx property, >5 acres. Subject is xxxxxx acres. - Due Diligence Vendor-07/07/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program xxxxxx property, >5 acres. Subject is xxxxxx acres. - Due Diligence Vendor-07/07/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 114.91 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 839386 | xxxxxx | -- D A B | Closed | xxxxxx | 2025-07-16 12:02 | 2025-07-18 08:01 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839386 | xxxxxx | -- D A B | Closed | xxxxxx | 2025-07-16 11:43 | 2025-07-18 08:01 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Open-The Note is Incomplete Sections 17 and 18 are missing from the Note. The top portion of the addendum is cutoff . - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-The Note is Present - Due Diligence Vendor-07/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839486 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 839487 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839907 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839924 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839925 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839926 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839960 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840024 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-10 08:21 | 2025-07-10 22:09 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review value of xxxxxx supports the original appraised value (xxxxxx) within a -10.0% variance (0.00%). - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. 7/10/25 - CDA attached - Due Diligence Vendor-07/11/2025 <br> Open-. Provide either an enhanced desk review, AVM, field review, or second appraisal as required per guidelines (Sec. 2.9.1.3.1) as the CU and LCA show a score that exceeds 2.5. - Due Diligence Vendor-07/10/2025 |  | Resolved-Desk review value of xxxxxx supports the original appraised value ($xxxxxx) within a -10.0% variance (0.00%). - Due Diligence Vendor-07/11/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.6 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840058 | xxxxxx | -- C A | Closed | xxxxxx | 2025-07-18 17:48 | 2025-07-29 08:24 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-07/29/2025 <br> Ready for Review- - Due Diligence Vendor-07/29/2025 <br> Open-Document Uploaded. See attached LE - Due Diligence Vendor-07/29/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Loan Estimate is Missing ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/18/2025 |  | Resolved-ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-07/29/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 502.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840202 | xxxxxx | -- B A | Closed | xxxxxx | 2025-09-09 23:02 | 2025-09-09 23:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Transferred Appraisal does not meet guideline requirements | Waived-Lender exception for appraisal transfer letter dated more than 45 days. - Due Diligence Vendor-09/10/2025 |  | Waived-Lender exception for appraisal transfer letter dated more than 45 days. - Due Diligence Vendor-09/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.66 Years | Credit score exceeds minimum by 110 points<br> All consumer credit paid as agreed in the most recent 12 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 840206 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-07 05:56 | 2025-07-07 13:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Waived-Exception approved to allow xxxxxx-unit property with ADU. Property is a xxxxxx and ADU is permitted. - Due Diligence Vendor-07/07/2025 |  | Waived-Exception approved to allow xxxxxx-unit property with ADU. Property is a xxxxxx and ADU is permitted. - Due Diligence Vendor-07/07/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.16 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | FICO 751, 9 months PITIA Reserves. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840275 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-07 11:58 | 2025-07-14 11:29 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. 1008 - Due Diligence Vendor-07/14/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-07/07/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840286 | xxxxxx | -- D A | Closed | xxxxxx | 2025-06-23 20:23 | 2025-06-27 09:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. flood cert - Buyer-06/25/2025 <br> Open-Missing Flood Certificate. - Due Diligence Vendor-06/24/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/27/2025<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments. Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.55 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months. Months Reserves Of 35.55 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840290 | xxxxxx | -- D B C A | Closed | xxxxxx | 2025-07-14 14:50 | 2025-09-09 22:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided guideline exception based on approved comp factors. Reserves of 9.44 is less than required 12mo reserves. - Due Diligence Vendor-09/10/2025 <br> Counter-The calculation provided would break down to 12 months of $2,925. The $2,925 payment is associated to the primary residence. The reserves required are based on the subject property and that PITIA payment is $3,544.08. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-This was a interest only transaction, and 12 months interest only payments is $35,100 and not $42,258.96.<br> - Due Diligence Vendor-07/22/2025 <br> Counter-The statement for rebuttal provided doesnt rebut the original condition but confirms the issue. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Borrower's waived escrows. Per Verus guidelines section 2.4.5 - 12 months of reserves is required. - Due Diligence Vendor-07/16/2025 <br> Open-Audited Reserves of 9.44 are less than Guideline Required Reserves of 12 Audited Reserves of $33,451.93 are less than Guideline Required Reserves of $42,528.96. Audited Reserves of $33,451.93 are less than Guideline Required Reserves of $42,528.96. - Due Diligence Vendor-07/14/2025 |  | Waived-Client provided guideline exception based on approved comp factors. Reserves of 9.44 is less than required 12mo reserves. - Due Diligence Vendor-09/10/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Credit Score 30+ points > minimum required;<br> Current primary home ownership > 5 years; |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840290 | xxxxxx | -- D B C A | Closed | xxxxxx | 2025-07-11 17:23 | 2025-09-09 21:55 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-First time investor with < 1.0 DSCR.<br> - Due Diligence Vendor-07/11/2025 |  | Waived-First time investor with < 1.0 DSCR.<br> - Due Diligence Vendor-07/11/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Credit Score 30+ points > minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840290 | xxxxxx | -- D B C A | Closed | xxxxxx | 2025-07-14 15:02 | 2025-07-16 19:12 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-PPP addendum provided shows no issues. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. See attached PPP addendum - Due Diligence Vendor-07/16/2025 <br> Open-The Note is Incomplete Note is missing prepayment addendum. - Due Diligence Vendor-07/14/2025 |  | Resolved-PPP addendum provided shows no issues. - Due Diligence Vendor-07/16/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840296 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 840329 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840343 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-10 08:13 | 2025-07-15 09:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. Please see uploaded documents - Seller-07/14/2025 <br> Open-Asset 1 Missing Please provided Bank Statement for Assets Verification. However its missing in the Loan package. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. Please see uploaded documents - Seller-07/14/2025<br>| Resolved-Asset 1 Provided - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 50 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840345 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840347 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 840371 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-06-26 10:37 | 2025-06-30 07:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Lender provided exception for xxxxxx property. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. exception in file and uploaded to file when shipped... the exception for xxxxxx was grated please see attached - Buyer-06/26/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Lender stated property is xxxxxx. The property is located on a xxxxxx and 4 of the 5 comps are under xxxxxx miles. All rental comps are greater than xxxxxx miles from subject. Per Lead DSCR guidelines xxxxxx property is not allowed. - Due Diligence Vendor-06/26/2025 |  | Waived-Lender provided exception for xxxxxx property. - Due Diligence Vendor-06/30/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.07 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years | Comps support property. Property is not a xxxxxx. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840395 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840407 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-16 10:00 | 2025-07-17 14:13 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-1-4 rider not necessary and rider for leases and rents in used in its place which has the acceptable language needed. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. There will not be a 1-4 family rider. The Assignment of Leases and Rents Rider attached is what is used - Due Diligence Vendor-07/17/2025 <br> Open-1-4 Family Rider is Missing Incorporated into deed. - Due Diligence Vendor-07/16/2025 |  | Resolved-1-4 rider not necessary and rider for leases and rents in used in its place which has the acceptable language needed. - Due Diligence Vendor-07/17/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.88 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840429 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 840432 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 840433 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-07-24 14:39 | 2025-09-09 22:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Exception granted : Borrower lives rent free and has 1x30x12 late on the subject property - Due Diligence Vendor-07/24/2025 | Exception granted with lender comp factors. - 07/24/2025 <br>| Waived-Housing History Does Not Meet Guideline Requirements Exception granted : Borrower lives rent free and has 1x30x12 late on the subject property - Due Diligence Vendor-07/24/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 703 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years | 69.23% LTV, <15% DTI, 703 FICO |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 840433 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-07-24 00:58 | 2025-08-15 12:24 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/13/2025 <br> Resolved- - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Please see cure documents - Due Diligence Vendor-08/13/2025 <br> Counter-\*\*\*\*\*\*\*COC event and Revised Closing Disclosure dated xxxxxx, has been provided and 10% tolerance cure is resolved. ---- 0% tolerance cure for increase to the appraisal charge, in the amount of $140.00, remains. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. COC-CD xxxxxx - Due Diligence Vendor-08/05/2025 <br> Open-Total of 10% and 0% tolerance Cure(s) = $287.90. Valid COC event details or PCCD, LOE, copy of refund check and proof of mailing, is required. - Due Diligence Vendor-08/04/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/24/2025 <br> Open- - Due Diligence Vendor-07/24/2025 |  | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/13/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 703 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840433 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-07-24 00:58 | 2025-08-13 09:14 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/13/2025 <br> Resolved- - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Please see cure documents<br> - Due Diligence Vendor-08/13/2025 <br> Counter-\*\*\*\*\*\*\*COC event and Revised Closing Disclosure dated xxxxxx, has been provided and 10% tolerance cure is resolved. ---- 0% tolerance cure for increase to the appraisal charge, in the amount of $140.00, remains. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. COC-CD xxxxxx - Due Diligence Vendor-08/05/2025 <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 $140.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*\*\*\*\*\*\*\*\*\* Appraisal charge disclosed in the initial loan estimate in the amount of $605.00, increased to $745.00, with no evidence of a valid change of circumstance event. - Due Diligence Vendor-07/30/2025 <br> Open- - Due Diligence Vendor-07/24/2025 |  | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/13/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 703 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840433 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-07-24 00:58 | 2025-08-13 09:14 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided. Exception for TRID cure and loan is not High Cost - Due Diligence Vendor-08/13/2025 <br> Resolved- - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Please see cure documents<br> - Due Diligence Vendor-08/13/2025 <br> Counter-\*\*\*\*\*\*\*COC event and Revised Closing Disclosure dated xxxxxx, has been provided and 10% tolerance cure is resolved. ---- 0% tolerance cure for increase to the appraisal charge, in the amount of $140.00, remains. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. COC-CD xxxxxx - Due Diligence Vendor-08/05/2025 <br> Open-Total of 10% and 0% tolerance Cure(s) = $287.90. Valid COC event details or PCCD, LOE, copy of refund check and proof of mailing, is required. - Due Diligence Vendor-08/04/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/24/2025 <br> Open- - Due Diligence Vendor-07/24/2025 |  | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/13/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 703 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840433 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-07-24 00:58 | 2025-08-05 07:15 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-COC event detail provided - Due Diligence Vendor-08/05/2025 <br> Resolved- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. COC-CD xxxxxx - Due Diligence Vendor-08/05/2025 <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% ($1,815.50) exceed the comparable charges ($1,516.00) 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). \*\*\*\*\*\*\*\*\*\*\*\*\* Recording charge disclosed in the initial loan estimate in the amount of $1,056.00, increased to $1,815.50, with no evidence of a valid change of circumstance event. - Due Diligence Vendor-07/30/2025 <br> Open- - Due Diligence Vendor-07/24/2025 |  | Resolved-COC event detail provided - Due Diligence Vendor-08/05/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 703 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840438 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840577 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-18 15:23 | 2025-07-21 12:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-LOE provided. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-Missing HOA Statements for the following properties: xxxxxx. DTI Subject to update once statements are provided. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-LOE provided. - Due Diligence Vendor-07/21/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.75 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.04% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.67 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.33 Years |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840598 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840638 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840684 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840718 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-23 13:21 | 2025-07-28 19:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-All required docs provided for the property at xxxxxx. Nothing further needed. - Due Diligence Vendor-07/28/2025 <br> Ready for Review- - Due Diligence Vendor-07/28/2025 <br> Open-Document Uploaded. See attached HOI, Note, and final CD - Due Diligence Vendor-07/28/2025 <br> Open-Mortgage statement, tax & insurance missing in the file for Second Home xxxxxx - Due Diligence Vendor-07/23/2025 |  | Resolved-All required docs provided for the property at xxxxxx. Nothing further needed. - Due Diligence Vendor-07/28/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 228.6 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.23 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840721 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 840773 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840802 | xxxxxx | -- C A | Closed | xxxxxx | 2025-07-11 13:38 | 2025-07-22 15:49 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Updated settlement statement provided to show disbursement date of xxxxxx. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. See final HUD Disbursement <br> - Due Diligence Vendor-07/22/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-07/11/2025 |  | Resolved-Updated settlement statement provided to show disbursement date of xxxxxx. - Due Diligence Vendor-07/22/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.41 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.75 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840818 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840824 | xxxxxx | -- C A | Closed | xxxxxx | 2025-07-08 15:36 | 2025-07-22 01:20 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review value of xxxxxx supports the original appraised value of xxxxxx within a -10,0% variance (0.00%) - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. See attached CDA with no variance. - Due Diligence Vendor-07/22/2025 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6) The CU report dated 6/3/2025 has a CU score of 2.6. The Seller may submit the appraisal report to Collateral Underwriter® (CU) or Loan Collateral Advisor® (LCA). An eligible score is 2.5 or less. The file must include a copy of the Submission Summary Report (SSR). Only one score required, if both scores (CU & LCA) provided, both required to be 2.5 or less. LCA score is 1. - Due Diligence Vendor-07/08/2025 |  | Resolved-Desk review value of xxxxxx supports the original appraised value of xxxxxx within a -10,0% variance (0.00%) - Due Diligence Vendor-07/22/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.92 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 41.18% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.13 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840831 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840851 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 840924 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-07 09:16 | 2025-07-14 11:33 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review value of xxxxxx supports the OA value of xxxxxx within a -10.0% variance (0.00%) - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see CDA - Due Diligence Vendor-07/14/2025 <br> Counter-CDA provided in Zip is corrupted. Please re-submit the CDA. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Please see CDA<br> - Due Diligence Vendor-07/09/2025 <br> Open-. At the time of review only a 1025 was provided for review. Guidelines state, An appraisal review product is required on every loan file unless a second appraisal is obtained. - Due Diligence Vendor-07/07/2025 |  | Resolved-Desk review value of xxxxxx supports the OA value of xxxxxx within a -10.0% variance (0.00%) - Due Diligence Vendor-07/14/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.71 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840933 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-17 15:27 | 2025-07-22 01:25 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-PPP addendum to note provided. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-07/22/2025 <br> Open-The Note is Incomplete File is missing Prepayment Note Addendum - Due Diligence Vendor-07/17/2025 |  | Resolved-PPP addendum to note provided. - Due Diligence Vendor-07/22/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 814 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.51 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840939 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-14 05:59 | 2025-07-18 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. guaranty agreement - Buyer-07/17/2025 <br> Open-Personal Guaranty is missing. - Due Diligence Vendor-07/14/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-07/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840950 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 840954 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840964 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840966 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-11 09:22 | 2025-07-14 19:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-All entity documents provided. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see LLC docs attached. xxxxxx - Due Diligence Vendor-07/14/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN . Provide Certificate of good standing for xxxxxx as the Entity was created over 120 prior to the Note date. - Due Diligence Vendor-07/11/2025 |  | Resolved-All entity documents provided. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.14 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840970 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-07 09:00 | 2025-07-09 10:51 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-ALR provided - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. dot with riders - Buyer-07/08/2025 <br> Open-1-4 Family Rider is Missing - Due Diligence Vendor-07/07/2025 |  | Resolved-ALR provided - Due Diligence Vendor-07/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.96 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 17.33% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840970 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-07 04:13 | 2025-07-09 10:51 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. DOT with riders - Buyer-07/08/2025 <br> Open-The Deed of Trust is Missing - Due Diligence Vendor-07/07/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-07/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.96 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 17.33% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840985 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-10 13:22 | 2025-07-15 13:19 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-07/14/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. 1008 - Seller-07/14/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/15/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.09% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840985 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-10 13:21 | 2025-07-15 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. flood cert - Seller-07/14/2025 <br> Open-Missing Flood Certificate - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. flood cert - Seller-07/14/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-07/15/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.09% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840985 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-10 13:21 | 2025-07-15 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. hazard insurance - Buyer-07/14/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-07/10/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/15/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.09% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840985 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-10 13:21 | 2025-07-15 13:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-07/14/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. xxxxxx - Seller-07/14/2025 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/15/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.09% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840985 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-10 11:10 | 2025-07-15 13:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. business purpose cert - Seller-07/14/2025 <br> Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. Business Purpose Disclosure/Affidavit is Missing - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. business purpose cert - Seller-07/14/2025<br>| Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-07/15/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.09% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841022 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841038 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841042 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-07-30 11:35 | 2025-09-09 22:02 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Waived-Exception granted based on comp factors provided. Client provided proof of no claims filed between closing and effective date of policy (1 day). - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. The request for an exception to Verus's eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 2 months or more - Due Diligence Vendor-08/18/2025 <br> Counter-Effective date of updated policy is xxxxxx and still one day after the disbursement date of xxxxxx - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Please see HOI - Due Diligence Vendor-08/06/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-07/30/2025 |  | Waived-Exception granted based on comp factors provided. Client provided proof of no claims filed between closing and effective date of policy (1 day). - Due Diligence Vendor-09/10/2025 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Borrower has thirty-five (35) months mortgage history with 0x30<br>Borrower Contribution Exceeds Minimum Requirements - Borrower contribution is 100%, with down payment of $144,300 | 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines;<br> 2 - Reserves exceed requirement by 2 months or more; |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841043 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841044 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-11 13:02 | 2025-07-11 13:02 | Waived | 2 - Non-Material B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Exception for unable to provide proof of 6 months payment required on VOM - Due Diligence Vendor-07/11/2025 |  | Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Exception for unable to provide proof of 6 months payment required on VOM - Due Diligence Vendor-07/11/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.42% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 841045 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841047 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-11 13:10 | 2025-07-16 18:37 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-VOR provided. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. See VOR <br> - Due Diligence Vendor-07/16/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing verification of rent for Borrower's current residence. - Due Diligence Vendor-07/11/2025 |  | Resolved-VOR provided. - Due Diligence Vendor-07/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 86.44 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.94% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841055 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-14 13:35 | 2025-07-14 13:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception for unable to provide 6 months payments when<br> using a VOM. - Due Diligence Vendor-07/14/2025 |  | Waived-Exception for unable to provide 6 months payments when<br> using a VOM. - Due Diligence Vendor-07/14/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.62% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.95 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required<br> DSCR > 1.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841074 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841077 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-15 17:49 | 2025-07-16 19:14 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-PPP addendum to note provided shows no issues. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. Prepayment Addendum to the Note - Due Diligence Vendor-07/16/2025 <br>Open-The Note is Incomplete FIle is missing prepayment penalty addendum to Note. - Due Diligence Vendor-07/15/2025 |  | Resolved-PPP addendum to note provided shows no issues. - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.41 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30.84% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 135.37 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841105 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-31 18:01 | 2025-08-06 08:31 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Initial CD - Due Diligence Vendor-08/06/2025 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial closing disclosure. Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings - Due Diligence Vendor-07/31/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-08/06/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.82% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.30 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841105 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-31 17:22 | 2025-08-06 00:07 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. See disclosure - Due Diligence Vendor-08/06/2025 <br>Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-07/31/2025 |  | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-08/06/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.82% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.30 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841105 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-31 10:05 | 2025-08-06 00:06 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Final 1003 - Due Diligence Vendor-08/06/2025 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-07/31/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/06/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.82% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.30 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841114 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 841124 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841140 | xxxxxx | -- B A | Closed | xxxxxx | 2025-09-09 21:28 | 2025-09-09 21:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Condo project does not meet guidelines. Waived with compensating factors. HOA project is in litigation. Not related to safety or structural in nature. - Due Diligence Vendor-09/10/2025 |  | Waived-Condo project does not meet guidelines. Waived with compensating factors. HOA project is in litigation. Not related to safety or structural in nature. Litigation is between Project management company and HOA regarding a contract, does not involve the borrower or subject unit - Due Diligence Vendor-09/10/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 689.54 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.33 Years | Reserves exceed requirement by 10 months or more. 0x30 for 48 months on all mortgages. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 841142 | xxxxxx | -- D B C A | Closed | xxxxxx | 2025-08-16 06:55 | 2025-08-21 23:01 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Proof borrower was sent appraisal more than 3 days prior to consummation provided. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-appraisal receipt - Due Diligence Vendor-08/22/2025 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. \*\*Unable to determine if loan is HPML compliant. Lender to provide evidence showing that borrower received the appraisal at least 3 business days prior to closing. - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/16/2025 |  | Resolved-Proof borrower was sent appraisal more than 3 days prior to consummation provided. - Due Diligence Vendor-08/22/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.59 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.87% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841142 | xxxxxx | -- D B C A | Closed | xxxxxx | 2025-08-18 08:38 | 2025-08-21 23:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Addendum extending closing provided. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. See attached addendum - Due Diligence Vendor-08/22/2025 <br> Open-Incomplete or unexecuted Purchase Contract. . Provide purchase agreement addendum extending the closing date to xxxxxx or later. Currently the purchase agreement provided shows xxxxxx and is expired. Loan closed xxxxxx. Per guidelines (Sec. 2.4.1.1) the purchase contract cannot be expired. - Due Diligence Vendor-08/18/2025 |  | Resolved-Addendum extending closing provided. - Due Diligence Vendor-08/22/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.59 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.87% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841142 | xxxxxx | -- D B C A | Closed | xxxxxx | 2025-08-15 16:45 | 2025-08-18 08:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 679 is less than Guideline FICO of 680 As per Guidelines for primary purchase with P&L income Minimum Fico score should be 680 but our borrower Fico score is 679 only and we received an Exception to process the loan.<br> - Due Diligence Vendor-08/15/2025 |  | Waived-Audited FICO of 679 is less than Guideline FICO of 680 As per Guidelines for primary purchase with P&L income Minimum Fico score should be 680 but our borrower Fico score is 679 only and we received an Exception to process the loan.<br> - Due Diligence Vendor-08/15/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.59 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.87% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More | Reserves exceed requirement by 10 months or more<br> Residual income more than 2.5x the amount required by guidelines<br> Self-employed for > 5 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841174 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-11 11:22 | 2025-07-11 11:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Exception granted for: LTV to 80%, max is 75% due to xxxxxx property and xxxxxx-unit. - Due Diligence Vendor-07/11/2025 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Exception granted for: LTV to 80%, max is 75% due to xxxxxx and xxxxxx-unit. - Due Diligence Vendor-07/11/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.9 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.5 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | DSCR > 1.15, Experienced investor owns and manages 2 or more properties for 12 months, Reserves exceed requirement by 10 months or more. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841180 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-07-25 11:52 | 2025-07-28 09:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Approved Lender exception: xxxxxx Property/DSCR approved - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/25/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program . Appraiser notes that the subject is in in a xxxxxx. Per guidelines (sec. 1.9.2.2 and 1.8.2.4), properties are not eligible if the appraiser indicates in the neighborhood section of the report as xxxxxx location. - Due Diligence Vendor-07/25/2025 |  | Waived-Approved Lender exception: Rural Property/DSCR approved - Due Diligence Vendor-07/28/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 125.42 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Qualifying FICO is Greater Than The Guideline Minimum By Twenty<br> Original LTV Is Below The Guideline Maximum By Ten Percent<br> Months Reserves Are Greater Than The Guideline Minimum By Six |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841185 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-14 16:02 | 2025-07-17 14:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. Please see flood cert - Due Diligence Vendor-07/17/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-07/14/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-07/17/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.02% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 841185 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-14 16:02 | 2025-07-17 14:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. Please see fraud - Due Diligence Vendor-07/17/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/14/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/17/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.02% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 841219 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841242 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841255 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-29 10:47 | 2025-09-09 20:30 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. 2 appraisal used - Seller-07/31/2025 <br> Open-Appraisal is Missing Missing Final Appraisal Report for the Subject Property " xxxxxx " - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. 2 appraisal used - Seller-07/31/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-08/01/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841255 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-01 08:56 | 2025-09-09 20:30 | Resolved | 1 - Information C A | Credit | Eligibility | Second Appraisal is Expired | Resolved-Secondary Value Appraisal is Not Expired Or Secondary Valuation Does Not Exist - Due Diligence Vendor-08/01/2025 <br>Open-Secondary Value Appraisal is Expired - Due Diligence Vendor-08/01/2025 |  | Resolved-Secondary Value Appraisal is Not Expired Or Secondary Valuation Does Not Exist - Due Diligence Vendor-08/01/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841255 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-29 10:52 | 2025-08-01 09:14 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 12.89 are greater than or equal to Guideline Required Reserves of 12 - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. 12 months of reserves = $44,451.48 + funds for closing $17,557.57 = $62,009.05 - Seller-07/31/2025 <br>Open-Audited Reserves of 8.56 are less than Guideline Required Reserves of 12 Additional Assets is required for Reserves and Cash to close. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. 12 months of reserves = $44,451.48 + funds for closing $17,557.57 = $62,009.05 - Seller-07/31/2025<br>| Resolved-Audited Reserves of 12.89 are greater than or equal to Guideline Required Reserves of 12 - Due Diligence Vendor-08/01/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841255 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-29 10:50 | 2025-08-01 09:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-07/31/2025 <br> Open-Asset 1 Missing Missing Evidence of Bank Statement " xxxxxx, Acct xxxxxx with balance of $35,206.30 - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. xxxxxx - Seller-07/31/2025 | Resolved-Asset 1 Provided - Due Diligence Vendor-08/01/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841255 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-29 10:50 | 2025-08-01 09:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-07/31/2025 <br> Open-Asset 2 Missing Missing Evidence of Bank Statement " xxxxxx, Acct xxxxxx with Balance of $7883.33 - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. xxxxxx - Seller-07/31/2025 | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-08/01/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841255 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-29 10:50 | 2025-08-01 09:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. business account only used 50% of balance - Seller-07/31/2025 <br> Open-Asset 3 Missing Missing Evidence of Bank Statement " xxxxxx, Acct xxxxxx with Balance of $10,180 - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. business account only used 50% of balance - Seller-07/31/2025<br>| Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-08/01/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841262 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841269 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-28 07:54 | 2025-07-28 07:54 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-Requesting an exception for the DSCR just under 1.25. PITIA = 1.233 < 1.25 required - Due Diligence Vendor-07/28/2025 |  | Waived-Requesting an exception for the DSCR just under 1.25. PITIA = 1.233 < 1.25 required - Due Diligence Vendor-07/28/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 140.53 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years | \* Credit Score 10 points > minimum required<br> \* Current primary home ownership > 10 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841270 | xxxxxx | -- C A | Closed | xxxxxx | 2025-07-09 12:15 | 2025-08-01 12:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.94% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. PTIN attached - Buyer-08/01/2025 <br>Counter-Guidelines require: CPA/accountant, IRS Enrolled Agent, tax preparer or P&L may be used to determine qualifying income. Missing CPA verification PTIN/EIN <br> - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. income /LOE CPA - Buyer-07/30/2025 <br>Open-Audited DTI of 55.73% exceeds Guideline DTI of 50% 24 month bank statement income calc for 24 month average is showing $23,507. In review of the bank statements, and income calc provided, there is a 29% decline in income that was not addressed. Unable to average over a decline. This pushed DTI outside of guidelines. - Due Diligence Vendor-07/09/2025 |  | Resolved-Audited DTI of 49.94% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/01/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.81 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.16 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841309 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841322 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841345 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841348 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-22 17:38 | 2025-07-28 20:20 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. See attached guaranty agreement - Due Diligence Vendor-07/29/2025 <br>Open-Personal Guaranty is missing. - Due Diligence Vendor-07/22/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-07/29/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.56 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841355 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841374 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-03 17:21 | 2025-07-07 16:40 | Waived | 2 - Non-Material B | Credit | Assets | PITI Reserves does not meet eligibility requirement(s) | Waived-Client waived with compensating factors. Reserves is 11.76 is less than 12 months required for escrow waiver. - Due Diligence Vendor-09/10/2025 |  | Waived-Client waived with compensating factors. Reserves is 11.76 is less than 12 months required for escrow waiver. - Due Diligence Vendor-09/10/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.76 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 1. Credit Score 30+ points > minimum required<br> 2. Current primary home ownership > 10 years<br> 3. 0x30 for 48 months on all mortgages |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841545 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-15 15:02 | 2025-08-22 08:18 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Locked LE provided w/ lock expiration prior to disbursement / validating the LC reduction and points incurred on xxxxxx are due to rate extension. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. See attached COC and LE - Due Diligence Vendor-08/22/2025 <br> Open-• Documentation provided does not contain the the Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. ~~Rate dependent charge changes subject to 0% tolerance total $7,568.95~~, and include Discount Points in the amount of $1,928.95 + Lender Credits Decrease Test in the amount of $5,640.00.----------- ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-08/15/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the LOCKED LOAN ESTIME. Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-08/15/2025 |  | Resolved-Locked LE provided w/ lock expiration prior to disbursement / validating the LC reduction and points incurred on xxxxxx are due to rate extension. - Due Diligence Vendor-08/22/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.34 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841545 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-15 14:52 | 2025-08-22 08:17 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Locked LE provided w/ lock expiration prior to disbursement / validating the LC reduction and points incurred on xxxxxx are due to rate extension. - Due Diligence Vendor-08/22/2025 <br> Resolved- - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. See attached COC and LE - Due Diligence Vendor-08/22/2025 <br> Open-• Documentation provided does not contain the the Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. ~~Rate dependent charge changes subject to 0% tolerance total $7,568.95~~, and include Discount Points in the amount of $1,928.95 + Lender Credits Decrease Test in the amount of $5,640.00.----------- ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,928.95.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). - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 |  | Resolved-Locked LE provided w/ lock expiration prior to disbursement / validating the LC reduction and points incurred on xxxxxx are due to rate extension. - Due Diligence Vendor-08/22/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.34 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841545 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-15 14:52 | 2025-08-22 08:17 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Locked LE provided w/ lock expiration prior to disbursement / validating the LC reduction and points incurred on xxxxxx are due to rate extension. - Due Diligence Vendor-08/22/2025 <br> Resolved- - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. See attached COC and LE - Due Diligence Vendor-08/22/2025 <br> Open-• Documentation provided does not contain the the Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. ~~Rate dependent charge changes subject to 0% tolerance total $7,568.95~~, and include Discount Points in the amount of $1,928.95 + Lender Credits Decrease Test in the amount of $5,640.00.----------- ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 |  | Resolved-Locked LE provided w/ lock expiration prior to disbursement / validating the LC reduction and points incurred on xxxxxx are due to rate extension. - Due Diligence Vendor-08/22/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.34 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841545 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-15 14:52 | 2025-08-22 08:17 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Locked LE provided w/ lock expiration prior to disbursement / validating the LC reduction and points incurred on xxxxxx are due to rate extension. - Due Diligence Vendor-08/22/2025 <br> Resolved- - Due Diligence Vendor-08/22/2025 <br> Ready for Review-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($6,505.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. See attached COC and LE - Due Diligence Vendor-08/22/2025 <br> Open-• Documentation provided does not contain the the Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. ~~Rate dependent charge changes subject to 0% tolerance total $7,568.95~~, and include Discount Points in the amount of $1,928.95 + Lender Credits Decrease Test in the amount of $5,640.00.----------- ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($5,640.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 |  | Resolved-Locked LE provided w/ lock expiration prior to disbursement / validating the LC reduction and points incurred on xxxxxx are due to rate extension. - Due Diligence Vendor-08/22/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.34 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841545 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-15 14:52 | 2025-08-22 08:17 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Locked LE provided w/ lock expiration prior to disbursement / validating the LC reduction and points incurred on xxxxxx are due to rate extension. - Due Diligence Vendor-08/22/2025 <br> Resolved- - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-08/22/2025 <br> Open-• Documentation provided does not contain the the Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx ~~Rate dependent charge changes subject to 0% tolerance total $7,568.95~~, and include Discount Points in the amount of $1,928.95 + Lender Credits Decrease Test in the amount of $5,640.00.----------- ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 |  | Resolved-Locked LE provided w/ lock expiration prior to disbursement / validating the LC reduction and points incurred on xxxxxx are due to rate extension. - Due Diligence Vendor-08/22/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.34 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841545 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-15 02:52 | 2025-08-15 17:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 656 is less than Guideline FICO of 660. For for DTI > 50%, the minimum fico is 660. The borrower has 656 fico. Exception granted with compensating factors<br> - Due Diligence Vendor-08/15/2025 |  | Waived-Audited FICO of 656 is less than Guideline FICO of 660. For for DTI > 50%, the minimum fico is 660. The borrower has 656 fico. Exception granted with compensating factors<br> - Due Diligence Vendor-08/15/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.34 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years | Residual income more than 1.5x the amount required by guidelines<br> 0x30 for 24 months on all mortgages<br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Total debt payment reduced more than $1,000 per month |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841563 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 841625 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841628 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841633 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-09 06:12 | 2025-07-14 19:29 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. 7/14/25 - please see 1003. - Due Diligence Vendor-07/14/2025 <br>Open-The Final 1003 is Missing . Provide the final 1003 executed at closing for the subject transaction. - Due Diligence Vendor-07/09/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 252.75 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841667 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-31 16:43 | 2025-08-06 09:48 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. PCCD UPLOADED - Seller-08/05/2025 <br>Open-"\*\*\*\*\*\*\*\*• Final Closing Disclosure Page 4 escrow indicator failed to indicate ""borrower declined"" or ""Lender does not offer""." - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. PCCD UPLOADED - Seller-08/05/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-08/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841675 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841687 | xxxxxx | -- D A C | Closed | xxxxxx | 2025-07-23 15:32 | 2025-07-25 17:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 6 Missing | Resolved-1031 exchange verifying $415718.29 - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. 1031 exchange - Buyer-07/24/2025 <br> Open-Asset 6 Missing Provide final settlement statement to verify net proceeds in the amount of xxxxxx - Due Diligence Vendor-07/23/2025 |  | Resolved-1031 exchange verifying $415718.29 - Due Diligence Vendor-07/25/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 248.38 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.41 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841687 | xxxxxx | -- D A C | Closed | xxxxxx | 2025-07-24 14:04 | 2025-07-25 17:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. guaranty agreement - Buyer-07/24/2025 <br>Open-Personal Guaranty is missing. - Due Diligence Vendor-07/24/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-07/25/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 248.38 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.41 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841687 | xxxxxx | -- D A C | Closed | xxxxxx | 2025-07-24 14:13 | 2025-07-25 17:33 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Appraiser license provided. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. appraisers license exp xxxxxx - Buyer-07/24/2025 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-07/24/2025 |  | Resolved-Appraiser license provided. - Due Diligence Vendor-07/25/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 248.38 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.41 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841688 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841727 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841731 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841732 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-14 08:24 | 2025-07-16 13:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program - Exception granted with supporting comp factors: xxxxxx property on xxxxxx acres, when guideline max is 5 acres - Due Diligence Vendor-07/24/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program - Exception granted with supporting comp factors: xxxxxx property on xxxxxx acres, when guideline max is 5 acres - Due Diligence Vendor-07/24/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.24% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.53 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841745 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 841751 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-14 12:00 | 2025-08-22 00:00 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review value of xxxxxx supports the OA value of xxxxxx within a -10.0% tolerance (0.00%) - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. See attached CDA - Due Diligence Vendor-08/22/2025 <br> Open-Guidelines require an enhanced desk review, AVM, field review, or second appraisal when both scores are provided and both scores are not less than 2.5. LCA score is 3. <br> - Due Diligence Vendor-08/14/2025 |  | Resolved-Desk review value of xxxxxx supports the OA value of xxxxxx within a -10.0% tolerance (0.00%) - Due Diligence Vendor-08/22/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.89 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.98 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841763 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-30 09:58 | 2025-08-06 15:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Investor exception approved with comp factors. CLTV meets guidelines; however guidelines are not approved by investor. CLTV remains 6.59% outside investor-approved guidelines dated 6.3.2024. - Due Diligence Vendor-08/07/2025 <br>Resolved-Audited CLTV of 66.59% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Please refer to 5.16.25 GL's. - Seller-07/30/2025 <br>Counter-Document Uploaded. Max allowed for Investment property 2nd lien with standard doc is 60%. Audit review shows 75% CLTV - Due Diligence Vendor-07/30/2025 <br>Ready for Review-this deficiency is erroneous - please escalate. Per GL's / Matrix - credit score of 793 - up to 75% CLTV on Investment Property. - Seller-07/30/2025 <br>Open-Audited CLTV of 66.59% exceeds Guideline CLTV of 60% . Max allowed for Investment property 2nd lien with standard doc is 60%. 1008 notes state max allowed is 75% however that is for a second home. - Due Diligence Vendor-07/30/2025 | Ready for Review-Please refer to 5.16.25 GL's. - Seller-07/30/2025 <br>Ready for Review-this deficiency is erroneous - please escalate. Per GL's / Matrix - credit score of 793 - up to 75% CLTV on Investment Property. - Seller-07/30/2025<br>| Waived-Investor exception approved with comp factors. CLTV meets guidelines; however guidelines are not approved by investor. CLTV remains 6.59% outside investor-approved guidelines dated 6.3.2024. - Due Diligence Vendor-08/07/2025 <br>Resolved-Audited CLTV of 66.59% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-08/01/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.16 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.31 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841763 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-30 08:22 | 2025-07-31 14:06 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. - Seller-07/30/2025 <br>Open-Trust/POA Does Not Meet Guideline Requirements . Provide executed and notarized Certification of Trust. At the time of review the form was filled out however it was not executed and notarized as required. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-07/31/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.16 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.31 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841763 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-29 02:38 | 2025-07-30 14:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/30/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing . Provide verification within 100 days of the Note from borrowers wage income employer. Loan closed xxxxxx. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/30/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.16 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.31 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841794 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841836 | xxxxxx | -- B A | Closed | xxxxxx | 2025-06-25 06:33 | 2025-06-25 15:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception approval is required for FICO score of 601. Per guideline, minimum fico score is 640. - Due Diligence Vendor-06/25/2025 |  | Waived-Exception approval is required for FICO score of 601. Per guideline, minimum fico score is 640. - Due Diligence Vendor-06/25/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30.93% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.28 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Reserves exceed minimum required by at least 45 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841836 | xxxxxx | -- B A | Closed | xxxxxx | 2025-06-25 06:34 | 2025-06-25 15:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception approval is required for mortgage rating of 1x60x12. Per guideline, mortgage rating should be 0x60x12. - Due Diligence Vendor-06/25/2025 |  | Waived-Exception approval is required for mortgage rating of 1x60x12. Per guideline, mortgage rating should be 0x60x12. - Due Diligence Vendor-06/25/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30.93% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.28 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Reserves exceed minimum required by at least 45 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841839 | xxxxxx | -- B A | Closed | xxxxxx | 2025-06-25 11:09 | 2025-06-25 12:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 70% exceeds Guideline LTV of 65% Allow 70% LTV when the maximum is 65% for loans with a DSCR ratio lass than 1.00. The subject property has a DSCR ratio of 0.80. - Due Diligence Vendor-06/25/2025 |  | Waived-Audited LTV of 70% exceeds Guideline LTV of 65% Allow 70% LTV when the maximum is 65% for loans with a DSCR ratio lass than 1.00. The subject property has a DSCR ratio of 0.80. - Due Diligence Vendor-06/25/2025<br>| Borrower Contribution Exceeds Minimum Requirements - Borrower contribution towards closing is 100% from own funds.<br> Property Equity - Subject LTV is based on lower sales price of $255,000. Appraised value of xxxxxx has supporting valuation products evidencing $67,000 in additional equity in the subject property. | 100% Borrower's funds are used for down payment. <br> Property has no Physical deficiencies or adverse conditions <br> Marketing time under 3 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 841840 | xxxxxx | -- B A | Closed | xxxxxx | 2025-06-19 08:58 | 2025-06-20 12:30 | Waived | 2 - Non-Material B | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Incomplete | Waived- Exception to waive visa requirement for foreign national borrower - Due Diligence Vendor-06/19/2025 |  | Waived- Exception to waive visa requirement for foreign national borrower - Due Diligence Vendor-06/19/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Borrower has over 15 + months of reserves in xxxxxx bank account |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 841840 | xxxxxx | -- B A | Closed | xxxxxx | 2025-06-19 09:00 | 2025-06-20 12:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception to use rent amount ($4100) from lease agreement in lieu of market rent ($3450) from form 1007 - Due Diligence Vendor-06/19/2025 |  | Waived-Exception to use rent amount ($4100) from lease agreement in lieu of market rent ($3450) from form 1007 - Due Diligence Vendor-06/19/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Borrower has over 15 + months of reserves in xxxxxx bank account |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 841840 | xxxxxx | -- B A | Closed | xxxxxx | 2025-06-19 09:03 | 2025-06-20 12:30 | Waived | 2 - Non-Material B | Credit | Missing Doc | Certificate of Occupancy is missing | Waived-Exception for subject property not having certificate of occupancy since county does not issues it for xxxxxx. - Due Diligence Vendor-06/19/2025 |  | Waived-Exception for subject property not having certificate of occupancy since county does not issues it for xxxxxx. - Due Diligence Vendor-06/19/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Borrower has over 15 + months of reserves in xxxxxx bank account |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 841841 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-09 10:21 | 2025-09-09 21:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception approval required due to appraisal report reflecting the property is located in a xxxxxx area. - Due Diligence Vendor-07/09/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception approval required due to appraisal report reflecting the property is located in a xxxxxx. - Due Diligence Vendor-07/09/2025 | Borrower Contribution Exceeds Minimum Requirements - Borrower contribution is 100% of down payment and funds-to-close.<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.1 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Not income producing; Marketing time under 6 months. <br> 8+ months reserves. <br> Property conforms with neighborhood; No Physical deficiencies or adverse conditions. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841841 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-08 07:56 | 2025-09-09 21:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception approval is required to retain LTV at 75%. Per guideline, using xxxxxx requires 5% reduction. Maximum LTV is 70%. - Due Diligence Vendor-07/08/2025 |  | Waived-Exception approval is required to retain LTV at 75%. Per guideline, using xxxxxx requires 5% reduction. Maximum LTV is 70%. - Due Diligence Vendor-07/08/2025 | Borrower Contribution Exceeds Minimum Requirements - Borrower contribution is 100% of down payment and funds-to-close.<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.1 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Not income producing; Marketing time under 6 months. <br> 8+ months reserves. <br> Property conforms with neighborhood; No Physical deficiencies or adverse conditions. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841844 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841846 | xxxxxx | -- B A | Closed | xxxxxx | 2025-09-09 23:01 | 2025-09-09 23:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Exception for 48 months loan modification seasoning requirement not met. Loan on the subject property matured on xxxxxx and needs to be extended. - Due Diligence Vendor-09/10/2025 |  | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Exception for 48 months loan modification seasoning requirement not met. Loan on the subject property matured on xxxxxx and needs to be extended. - Due Diligence Vendor-09/10/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 696 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More | DSCR is >1.0. Post closing reserves. FICO score of 671 is 11 points higher than minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841846 | xxxxxx | -- B A | Closed | xxxxxx | 2025-09-09 23:00 | 2025-09-09 23:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception to allow 1x30x12. As per guidelines, no mortgage late is allowed 0x30x12. - Due Diligence Vendor-09/10/2025 |  | Waived-Exception to allow 1x30x12. As per guidelines, no mortgage late is allowed 0x30x12. - Due Diligence Vendor-09/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 696 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More | DSCR is >1.0. Post closing reserves. FICO score of 671 is 11 points higher than minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841846 | xxxxxx | -- B A | Closed | xxxxxx | 2025-09-09 21:20 | 2025-09-09 22:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Transferred Appraisal does not meet guideline requirements | Waived-x - Due Diligence Vendor-09/10/2025 <br>Waived-Exception to allow appraisal transfer which exceeds 45 days upon loan submission. Transfer Appraisal is 95 days old. - Due Diligence Vendor-09/10/2025 |  | Waived-x - Due Diligence Vendor-09/10/2025 <br>Waived-Exception to allow appraisal transfer which exceeds 45 days upon loan submission. Transfer Appraisal is 95 days old. - Due Diligence Vendor-09/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 696 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More | DSCR is >1.0. Post closing reserves. FICO score of 671 is 11 points higher than minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841846 | xxxxxx | -- B A | Closed | xxxxxx | 2025-06-05 15:54 | 2025-09-09 22:24 | Waived | 2 - Non-Material B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-: Exception required to use note and ledger in lieu of VOM. - Due Diligence Vendor-06/05/2025 |  | Waived-: Exception required to use note and ledger in lieu of VOM. - Due Diligence Vendor-06/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 696 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More | DSCR is >1.0. Post closing reserves. FICO score of 671 is 11 points higher than minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 841847 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-06-26 17:04 | 2025-09-09 21:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client waived with compensating factors - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% 1008 shows DSCR of 1.05 below the 1.1 DSCR for 80%LTV of recent guidelines (page 399) for xxxxxx properties. Missing lender exception - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Waived-Client waived with compensating factors - Due Diligence Vendor-09/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.33 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.16 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 14+ months reserves<br> 1.05 DSCR<br> Borrower is an experience investor. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 841850 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-08 06:24 | 2025-09-09 21:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-EXCEPTION FOR FICO SCORE OF 650 , MINIMUM ALLOWED IS 660 ON NO RATIO PROGRAM. - Due Diligence Vendor-07/08/2025 |  | Waived-EXCEPTION FOR FICO SCORE OF 650 , MINIMUM ALLOWED IS 660 ON NO RATIO PROGRAM. - Due Diligence Vendor-07/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.99 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Experienced real estate investor - Borrower is Seasoned Real Estate Investor with Nine (9) REO's owned. | Post close reserves 25+ months PITIA when guidelines require 4 months. Self employed more than 12 years. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841850 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-08 06:23 | 2025-09-09 21:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-EXCEPTION ON 75% LTV EXCEEDS THE MAX OF 65% ON NO RATIO PROGRAM. <br> - Due Diligence Vendor-07/08/2025 |  | Waived-EXCEPTION ON 75% LTV EXCEEDS THE MAX OF 65% ON NO RATIO PROGRAM. <br> - Due Diligence Vendor-07/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.99 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Experienced real estate investor - Borrower is Seasoned Real Estate Investor with Nine (9) REO's owned. | Post close reserves 25+ months PITIA when guidelines require 4 months. Self employed more than 12 years. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841850 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-09 14:40 | 2025-07-16 10:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Business Documents provided - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Counter-Missing evidence of EIN - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing business entity documents required by gl's:<br> - Articles of Organization/Partnership/Operating Agrmts<br> - Tax ID number (EIN)<br> - Cert of Good Standing<br> - Cert of Authorization for person executing all docs<br> - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Business Documents provided - Due Diligence Vendor-07/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.99 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Experienced real estate investor - Borrower is Seasoned Real Estate Investor with Nine (9) REO's owned. |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841851 | xxxxxx | -- B A | Closed | xxxxxx | 2025-09-09 21:21 | 2025-09-09 21:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Transferred Appraisal does not meet guideline requirements | Waived-EXCEPTION APPROVAL FOR TRANSFER APPRAISAL OVER 45 DAYS OLD AT TIME OF SUBMISSION.<br> - Due Diligence Vendor-09/10/2025 |  | Waived-EXCEPTION APPROVAL FOR TRANSFER APPRAISAL OVER 45 DAYS OLD AT TIME OF SUBMISSION.<br> - Due Diligence Vendor-09/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.56 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 699 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Consolidating (2) higher interest loans. Experienced Investor. Has owned INV property > 4 years. Property is valued at almost xxxxxx above the neighborhood's predominant value. Marketability is not affected. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841851 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-07 06:55 | 2025-07-07 15:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-EXCEPTION APPROVAL FOR 70% LTV. MAX ALLOWED IS 60% LTV FOR NO PRIMARY RESIDENCE. - Due Diligence Vendor-07/07/2025 |  | Waived-EXCEPTION APPROVAL FOR 70% LTV. MAX ALLOWED IS 60% LTV FOR NO PRIMARY RESIDENCE. - Due Diligence Vendor-07/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.56 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 699 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Consolidating (2) higher interest loans. Experienced Investor. Has owned INV property > 4 years. Property is valued at almost xxxxxx above the neighborhood's predominant value. Marketability is not affected. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841851 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-07 06:58 | 2025-07-07 15:55 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-Client waived with compensating factors. DSCR is < 0.75 as required for cash-out transaction - Due Diligence Vendor-09/10/2025 |  | Waived-Client waived with compensating factors. DSCR is < 0.75 as required for cash-out transaction - Due Diligence Vendor-09/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.56 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 699 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Consolidating (2) higher interest loans. Experienced Investor. Has owned INV property > 4 years. Property is valued at almost xxxxxx above the neighborhood's predominant value. Marketability is not affected. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841852 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-02 14:37 | 2025-07-08 08:09 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/03/2025 <br> Open-Final Alta/Settlement Statement, has not been provided - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/03/2025<br>| Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-07/08/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841852 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-01 06:59 | 2025-07-01 06:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit history does not meet guidelines | Waived-VOM COMPLETED BY xxxxxx AND xxxxxx WITHOUT 12 MONTHS PROOF OF BORROWER <br> PAYMENT. GUIDELINES REQUIRE PROOF OF BORROWER PAYMENT WHEN MORTGHAGE IS NOT REPORTING ON CREDIT <br> - Due Diligence Vendor-07/01/2025 |  | Waived-VOM COMPLETED BY xxxxxx WITHOUT 12 MONTHS PROOF OF BORROWER <br> PAYMENT. GUIDELINES REQUIRE PROOF OF BORROWER PAYMENT WHEN MORTGHAGE IS NOT REPORTING ON CREDIT <br> - Due Diligence Vendor-07/01/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 1. FICO 765 EXCEEDS MINIMUM REQUIRED OF 720 <br> 2. EXPERIENCED INVESTOR: 4.5 YRS, GUIDELINES REQUIRE 1 YEAR <br> 3. MORTGAGE HIUSTORY PRIMARY IS 0X30X56 GUIDELINES REQUIRE 0X30X12 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841852 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-01 06:58 | 2025-07-01 06:58 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-: LTV OF 70% WITH DSCR < .75 <br> - Due Diligence Vendor-07/01/2025 |  | Waived-: LTV OF 70% WITH DSCR < .75 <br> - Due Diligence Vendor-07/01/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 1. FICO 765 EXCEEDS MINIMUM REQUIRED OF 720 <br> 2. EXPERIENCED INVESTOR: 4.5 YRS, GUIDELINES REQUIRE 1 YEAR <br> 3. MORTGAGE HIUSTORY PRIMARY IS 0X30X56 GUIDELINES REQUIRE 0X30X12 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841926 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841935 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841953 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841958 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842027 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 842111 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 842367 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842393 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-29 06:27 | 2025-07-30 07:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/29/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/29/2025 <br> Open-Provide Articles of Organization document for xxxxxx. Subject is an Investment property and borrower signed under LLC name. - Due Diligence Vendor-07/29/2025 |  | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-07/30/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.50 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842431 | xxxxxx | -- C A | Closed | xxxxxx | 2025-08-05 16:23 | 2025-08-07 18:22 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Business Bank Statements Less Than 24 Months Provided | Resolved-7/23 statement provided and affirms calculation already conducted. - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. See attached 7/2023 bank stmt - Due Diligence Vendor-08/07/2025 <br>Open-Borrower having 24 Month bank statement in lender calculation sheet, but in package only 23 months statements available. July-2023 statement is missing. - Due Diligence Vendor-08/05/2025 |  | Resolved-7/23 statement provided and affirms calculation already conducted. - Due Diligence Vendor-08/07/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.02 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842461 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842534 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-20 11:12 | 2025-08-21 21:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap report provided shows no new debts - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. See attached gap report. - Due Diligence Vendor-08/22/2025 <br>Open-Borrower 1 Gap Credit Report is Missing . Per guidelines (Sec. 2.5.2), A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. No report or debt monitoring was provided as required. - Due Diligence Vendor-08/20/2025 |  | Resolved-Gap report provided shows no new debts - Due Diligence Vendor-08/22/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.48 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.47 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 86.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842561 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-24 18:23 | 2025-08-06 00:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable. $25K gift removed from qualification. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. See Final for subject reflecting 16K. 25K gift letter removed from file. <br> - Due Diligence Vendor-08/06/2025 <br>Open-Asset 3 Missing Evidence of wire transfer for $25,000 gift is missing from the file. - Due Diligence Vendor-07/24/2025 |  | Resolved-Asset 3 Provided Or Not Applicable. $25K gift removed from qualification. - Due Diligence Vendor-08/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.86 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842572 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-08-01 14:19 | 2025-08-15 09:54 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/15/2025 <br> Resolved- - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Counter-On xxxxxx Closing Disclosure increased the Appraisal charge and disclosed a Cure in the amount of $100.00. However, in the Final Closing Disclosure the Cure amount was removed. Cure's once disclosed are binding lender credits for the purpose of good faith. 0% tolerance cure in the amount of $100.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. COC CD shows appraisal increase to $800 - Seller-08/06/2025 <br> Open-\*\*\*\*\* The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of $100. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $100 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/01/2025 <br> Open- - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Ready for Review-Document Uploaded. COC CD shows appraisal increase to $800 - Seller-08/06/2025 | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/15/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842572 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-08-01 14:19 | 2025-08-15 09:54 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/15/2025 <br> Resolved- - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/14/2025 <br> Counter-On xxxxxx Closing Disclosure increased the Appraisal charge and disclosed a Cure in the amount of $100.00. However, in the Final Closing Disclosure the Cure amount was removed. Cure's once disclosed are binding lender credits for the purpose of good faith. 0% tolerance cure in the amount of $100.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. COC CD shows appraisal increase to $800. This matches the final CD also - Seller-08/06/2025 <br> Open-\*\*\*\* The following charges have been either added or increased:Appraisal fee resulting in a 0% tolerance cure in the amount of $100. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $100 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/01/2025 <br> Open- - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. COC CD shows appraisal increase to $800. This matches the final CD also - Seller-08/06/2025 | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/15/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842572 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-08-01 14:19 | 2025-08-15 09:54 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, Exception for TRID cure and loan is not High Cost has been provided - Due Diligence Vendor-08/15/2025 <br> Resolved- - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/14/2025 <br> Counter-On xxxxxx Closing Disclosure increased the Appraisal charge and disclosed a Cure in the amount of $100.00. However, in the Final Closing Disclosure the Cure amount was removed. Cure's once disclosed are binding lender credits for the purpose of good faith. 0% tolerance cure in the amount of $100.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. coc CD shows appraisal increase to $800. This matches the final cd also - Buyer-08/06/2025 <br> Open-\*\*\*\*\* Findings in relation to \*\*\*\* The following charges have been either added or increased:Appraisal fee resulting in a 0% tolerance cure in the amount of $100. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $100 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/01/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/01/2025 <br> Open- - Due Diligence Vendor-08/01/2025 |  | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/15/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842572 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-08-01 14:19 | 2025-08-15 09:54 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/15/2025 <br> Resolved- - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/14/2025 <br> Counter-On xxxxxx Closing Disclosure increased the Appraisal charge and disclosed a Cure in the amount of $100.00. However, in the Final Closing Disclosure the Cure amount was removed. Cure's once disclosed are binding lender credits for the purpose of good faith. 0% tolerance cure in the amount of $100.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. coc CD shows appraisal increase to $800. This matches the final CD also - Seller-08/06/2025 <br> Open-\*\*\*\*\* Findings in relation to \*\*\*\* The following charges have been either added or increased:Appraisal fee resulting in a 0% tolerance cure in the amount of $100. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $100 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/01/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/01/2025 <br> Open- - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. coc CD shows appraisal increase to $800. This matches the final CD also - Seller-08/06/2025 | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/15/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842572 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-31 14:16 | 2025-08-13 08:00 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Borrower dated 1003 - Buyer-08/12/2025 <br> Open-The Final 1003 is Incomplete borrower did not input date of signature. pg 706 in file - Due Diligence Vendor-07/31/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/13/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842582 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 842586 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 842624 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842644 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-06 13:42 | 2025-08-20 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. 12 months bank stmts - Buyer-08/19/2025 <br> Counter-The Exception states the file is missing all 12 month bank statements used to qualify the borrower's income. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. 1008 asset is listed as $102,103.98. Same as bank statement provided - Buyer-08/11/2025 <br> Open-Borrower 1 Business Bank Statements Missing Missing all 12 business bank statements for company xxxxxx used to qualify. - Due Diligence Vendor-08/06/2025 |  | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-08/20/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.59 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842649 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842664 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842694 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-24 10:46 | 2025-08-05 23:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower is a xxxxxx so his licensed activity can be proven with his xxxxxx. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. xxxxxx. borrowers xxxxxx (this is technically a xxxxxx - Due Diligence Vendor-08/06/2025 <br> Counter-This condition isn't related for documented history on the 1003. That was already on the 1003 in the original file. This condtion is about the verificatin of employent that is missing from the file. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-1003 shows 2+ yrs of employment. Per xxxxxx guidelines: A minimum 2-year self-employment history is required (e.g., 1099 income) as documented from the Employment section of the loan application. - Due Diligence Vendor-07/28/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing . A minimum of 2 years confirmation of employment is required. - Due Diligence Vendor-07/24/2025 |  | Resolved-Borrower is a xxxxxx so his licensed activity can be proven with his xxxxxx. - Due Diligence Vendor-08/06/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.86% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842726 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-22 07:12 | 2025-08-27 01:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VOE provided and shows borrower employed through closing - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Please see attached VOE. - Due Diligence Vendor-08/27/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide the Third-Party Employment Verification completed prior to close for xxxxxx. - Due Diligence Vendor-08/22/2025 |  | Resolved-VOE provided and shows borrower employed through closing - Due Diligence Vendor-08/27/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.66% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.08 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842730 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842758 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-05 14:33 | 2025-08-13 00:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-All entity documents provided. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Please see attached, this was provided in the closing package. xxxxxx! - Due Diligence Vendor-08/13/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Certificate of Good Standing missing. - Due Diligence Vendor-08/05/2025 |  | Resolved-All entity documents provided. - Due Diligence Vendor-08/13/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.41 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.46 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842813 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 842816 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-18 08:04 | 2025-08-21 23:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Extension provided. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. 8/20/25 - please see Extension addendum attached - Due Diligence Vendor-08/22/2025 <br> Open-Incomplete or unexecuted Purchase Contract. . Provide purchase agreement addendum extending the closing date to xxxxxx or later. Currently the purchase agreement provided shows xxxxxx and is expired. Loan closed xxxxxx. Per guidelines (Sec. 2.4.1.1) the purchase contract cannot be expired. - Due Diligence Vendor-08/18/2025 |  | Resolved-Extension provided. - Due Diligence Vendor-08/22/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.53 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.08 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.16% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 694 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842913 | xxxxxx | -- C A | Closed | xxxxxx | 2025-08-04 09:04 | 2025-08-07 18:30 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Gap report pulled after close shows no new inquiries or new debt prior to or after close via credit monitoring. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. UNDISCLOSED DEBT NOTIFICATIONS REPORT. xxxxxx! - Due Diligence Vendor-08/07/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-08/04/2025 |  | Resolved-Gap report pulled after close shows no new inquiries or new debt prior to or after close via credit monitoring. - Due Diligence Vendor-08/07/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.13 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 808 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.95% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.38 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842927 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842980 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-22 11:30 | 2025-08-22 12:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 46.97% exceeds Guideline DTI of 45% . - Due Diligence Vendor-08/22/2025 |  | Waived-Audited DTI of 46.97% exceeds Guideline DTI of 45% . - Due Diligence Vendor-08/22/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.51 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.51 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.83 Years. Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.83 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.12 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14. Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points. Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 11.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | - Employed same job > 10 years<br> - Credit score 3-+ points > minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 843015 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 843150 | xxxxxx | -- C A | Closed | xxxxxx | 2025-08-07 10:49 | 2025-08-08 09:09 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/07/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial closing disclosure . ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-08/08/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.34 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.25 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.54 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843481 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-07-16 14:39 | 2025-07-31 07:36 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-xxxxxx TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. - Seller-07/30/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure Missing. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-7/9/2025, 6/24/2025, 6/23/2025 TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-07/31/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.50 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.91 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843481 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-07-16 16:12 | 2025-07-16 16:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 11.53 are less than Guideline Required Reserves of 12 Escrow waiver requires 12 months reserves and review verified 11.5 months. - Due Diligence Vendor-08/06/2025 |  | Waived-Audited Reserves of 11.53 are less than Guideline Required Reserves of 12 Escrow waiver requires 12 months reserves and review verified 11.5 months. - Due Diligence Vendor-08/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.50 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.91 Years | 1. FICO OF 752 WHERE MINIMUM REQUIRED IS 660<br> 2. DTI OF 36.559% WHERE MAX ALLOWED IS 50%<br> 3. DEPARTING HOUSING IS 0X30X60 WHERE 0X30X12 IS REQUIRED |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843482 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 843483 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-24 08:48 | 2025-09-09 22:00 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception granted with supporting comp factors. Exception required due to appraisal noting declining property values. - Due Diligence Vendor-09/10/2025 |  | Waived-Exception granted with supporting comp factors. Exception required due to appraisal noting declining property values. - Due Diligence Vendor-09/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.56 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.64 Years | 745 FICO Score <br> Borrower has been with current employer for >5 years <br> 15+ months reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 843483 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-25 12:06 | 2025-07-25 12:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Exception granted with supporting comp factors. Borrower does not meet Housing History. Housing history in past year 2x30x12, Guidelines require 0x30x12. And, NOD seasoning requirement as Property had NOD on xxxxxx (under deceased parents name). - Due Diligence Vendor-08/18/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Exception granted with supporting comp factors. Borrower does not meet Housing History. Housing history in past year 2x30x12, Guidelines require 0x30x12. And, NOD seasoning requirement as Property had NOD on xxxxxx (under deceased parents name). - Due Diligence Vendor-08/18/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.56 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.64 Years | 745 FICO score<br> Borrower has been with employer 5+ years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 843484 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-07-18 13:56 | 2025-08-11 12:02 | Resolved | 1 - Information A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved. Additional assets provided. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/30/2025 <br> Counter-The condition is stating the loan is short cash to close by -$2,117.60 - Verified Audited Assets $76,963.98 vs Cash to Close per Final CD $79,081.59 - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-Total Liquid Assets Available for Close of $76963.99 is less than Total Cash to Close $79081.59. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025 <br>Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-Total Liquid Assets Available for Close Resolved. Additional assets provided. - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.24 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.24 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 | Own funds contribution for down payment<br> Meets residual income requirement<br> FICO 729, min required is 660+<br> Payment shock less than 200%. Its 124.162% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843484 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-07-18 13:57 | 2025-07-29 14:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Document Uploaded. Exception granted with supporting comp factors: Exception to waive 3.5 months of reserves requirement while guideline require 6 months for borrowers being first time homebuyer. Actual verified reserves = 2.77 months. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Counter-Document Uploaded. - Due Diligence Vendor-07/24/2025 <br> Counter-per Guidelines xxxxxx: (page 532) Reserves- LTV/CLTV > 75%: 8 months' PITIA - Lender Exception states 6 month require. Updated Exception form needed. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 8 Exception to waive 3.5 months of reserves requirement while guideline require 6 months for borrowers being first time homebuyer. But guides actually require 8 months reserves for "ITIN" borrower with current loan parameters. Exception needed due to 8 months required reserves per guides under xxxxxx or 24 BS program, and exception in file is only for 6 months first time homebuyer - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025 <br>Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Waived-Document Uploaded. Exception granted with supporting comp factors: Exception to waive 3.5 months of reserves requirement while guideline require 6 months for borrowers being first time homebuyer. Actual verified reserves = 2.77 months. - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.24 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.24 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 | Own funds contribution for downpayment<br> Meets residual income requirement<br> FICO 729, min required is 660+<br> Payment shock less than 200%. Its 124.162% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 843484 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-07-18 13:59 | 2025-07-21 10:01 | Waived | 2 - Non-Material B | Credit | Borrower | Potential Identity Issues identified in the file | Waived-Exception to use W-7 form for ITIN issued more than 3 years ago. - Due Diligence Vendor-07/18/2025 |  | Waived-Exception to use W-7 form for ITIN issued more than 3 years ago. - Due Diligence Vendor-07/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.24 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.24 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 | - Own funds contribution for downpayment<br> - Meets residual income requirement<br> - FICO 729, min required is 660+<br> - Payment shock less than 200%. Its 124.162% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 843484 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-07-18 13:58 | 2025-07-21 10:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception required for incomplete housing history using vor as borrowers are paying rent in cash. File to be retained at 80% ltv while per guideline, max ltv allowed for incomplete housing is 70% - Due Diligence Vendor-07/18/2025 |  | Waived-Exception required for incomplete housing history using vor as borrowers are paying rent in cash. File to be retained at 80% ltv while per guideline, max ltv allowed for incomplete housing is 70% - Due Diligence Vendor-07/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.24 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.24 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 | - Own funds contribution for downpayment<br> - Meets residual income requirement<br> - FICO 729, min required is 660+<br> - Payment shock less than 200%. Its 124.162% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 843485 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-09-09 21:25 | 2025-09-09 21:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Property | Waived-Exception granted with supporting comp factors: Exception approval is required for property that has xxxxxx. Property is not income generating per appraisal and is comparable. - Due Diligence Vendor-09/10/2025 |  | Waived-Exception granted with supporting comp factors: Exception approval is required for property that has xxxxxx. Property is not income generating per appraisal and is comparable. - Due Diligence Vendor-09/10/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.60 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.03% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | Residual income > $13,000 monthly<br> Debt ratio < 21%<br> Reserves over minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843485 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-01 18:19 | 2025-08-11 09:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Exception granted with supporting comp factors: Exception approval is required for loan amount of xxxxxx. Per guideline, maximum loan amount for having no fico score is $300,000 for purchase transaction. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. - Seller-08/08/2025 <br> Counter-The exception form uploaded is the same form provided previously - the actual Loan amount is xxxxxx - the exception form states xxxxxx. corrected exception form required. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <br> Counter-Document Uploaded. the exception for states the Loan amount as xxxxxx however the actual Loan amount is xxxxxx. corrected exception form required. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Open-Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $300000 Need updated lender approval for loan amount, current lender exception is for $335,500 not final loan amount. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025 <br>Ready for Review-Document Uploaded. - Seller-08/05/2025 <br>Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Waived-Exception granted with supporting comp factors: Exception approval is required for loan amount of xxxxxx. Per guideline, maximum loan amount for having no fico score is $300,000 for purchase transaction. - Due Diligence Vendor-08/11/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.60 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.03% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | Residual income >$13,000 monthly<br> DTI < 21%<br> Reserves exceed minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 843485 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-01 07:43 | 2025-08-01 18:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Exception granted with supporting comp factors: Exception approval is required for having no open tradelines. As per guidelines, the minimum requirement is having 2 open tradelines reporting <br> for the last 12 months or 1 open tradeline reporting for the last 24 months. - Due Diligence Vendor-08/18/2025 |  | Waived-Exception granted with supporting comp factors: Exception approval is required for having no open tradelines. As per guidelines, the minimum requirement is having 2 open tradelines reporting <br> for the last 12 months or 1 open tradeline reporting for the last 24 months. - Due Diligence Vendor-08/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.60 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.03% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | Residual income > $13,000 monthly<br> Debt ratio < 21%<br> Reserves over minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843485 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-01 07:44 | 2025-08-01 18:23 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Missing | Waived-Exception granted with supporting comp factors: Exception approval is required for using IRS W-7 form in lieu of ITIN. - Due Diligence Vendor-08/18/2025 |  | Waived-Exception granted with supporting comp factors: Exception approval is required for using IRS W-7 form in lieu of ITIN. - Due Diligence Vendor-08/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.60 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.03% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | COMPENSATING FACTORS: <br> Residual income > $13,000 monthly<br> Debt ratio < 21%<br> Reserves over minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843485 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-01 07:45 | 2025-08-01 18:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Waived-Exception granted with supporting comp factors: Lender Exception approval is required for payment shock of 826.115%. Per guideline, purchase primary has a maximum payment shock of 200%. - Due Diligence Vendor-08/18/2025 |  | Waived-Exception granted with supporting comp factors: Lender Exception approval is required for payment shock of 826.115%. Per guideline, purchase primary has a maximum payment shock of 200%. - Due Diligence Vendor-08/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.60 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.03% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | COMPENSATING FACTORS: <br> Residual income > $13,000 monthly<br> Debt ratio < 21%<br> Reserves over minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843485 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-01 07:46 | 2025-08-01 18:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Waived with Compensating Factors. Exception approval is required to increase LTV to 60%. As per guidelines, the maximum LTV for having no fico score in purchase transaction is <br> 55%. - Due Diligence Vendor-08/18/2025 |  | Waived-Waived with Compensating Factors. Exception approval is required to increase LTV to 60%. As per guidelines, the maximum LTV for having no fico score in purchase transaction is <br> 55%. - Due Diligence Vendor-08/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.60 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.03% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | COMPENSATING FACTORS: <br> Residual income > $13,000 monthly<br> Debt ratio < 21%<br> Reserves over minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843486 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-31 14:02 | 2025-07-31 14:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Waived-Waived with Compensating Factors. EXCEPTION REQUIRED FOR 373.547% PAYMENT SHOCK. MAXIMUM PAYMENT SHOCK ALLOWED IS 200%. - Due Diligence Vendor-08/18/2025 |  | Waived-Waived with Compensating Factors. EXCEPTION REQUIRED FOR 373.547% PAYMENT SHOCK. MAXIMUM PAYMENT SHOCK ALLOWED IS 200%. - Due Diligence Vendor-08/18/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | 1. Credit Score is 799, minimum required is 640.<br> 2. DTI IS 40.233%, max allowed is 43%<br> 3. Borrower is more than 19 years while Co-borrower is more than years with the company |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 843486 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-31 14:01 | 2025-07-31 14:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Waived with Compensating Factors. EXCEPTION FOR CO-BORROWER DOES NOT MEET THE TRADELINE REQUIREMENT - Due Diligence Vendor-08/18/2025 |  | Waived-Waived with Compensating Factors. EXCEPTION FOR CO-BORROWER DOES NOT MEET THE TRADELINE REQUIREMENT - Due Diligence Vendor-08/18/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | 1. Credit Score is 799, minimum required is 640.<br> 2. DTI IS 40.233%, max allowed is 43%<br> 3. Borrower is more than 19 years while Co-borrower is more than years with the company |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 843486 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-31 14:00 | 2025-07-31 14:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Waived with Compensating Factors. EXCEPTION FOR 80% LTV EXCEEDS THE MAX ALLOWED OF 75% FOR INCOMPLETE HOUSING HISTORY - Due Diligence Vendor-08/18/2025 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Waived with Compensating Factors. EXCEPTION FOR 80% LTV EXCEEDS THE MAX ALLOWED OF 75% FOR INCOMPLETE HOUSING HISTORY - Due Diligence Vendor-08/18/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | 1. Credit Score is 799, minimum required is 640.<br> 2. DTI IS 40.233%, max allowed is 43%<br> 3. Borrower is more than 19 years while Co-borrower is more than years with the company |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 843494 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-15 11:47 | 2025-09-09 21:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived-Please leave a comment verifying the Number of Mortgaged Properties is 17. Exception approved for xxxxxx exposure exceeding the aggregate amount of $2m and more than 10 financed properties financed by <br> xxxxxx. - Due Diligence Vendor-07/15/2025 |  | Waived-Please leave a comment verifying the Number of Mortgaged Properties is 17. Exception approved for xxxxxx exposure exceeding the aggregate amount of $2m and more than 10 financed properties financed by <br> xxxxxx. - Due Diligence Vendor-07/15/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.68 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 688 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Post close reserves 15+ months. DSCR >1.15%. Fico 688 is 28 points higher than min required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 843494 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-15 11:37 | 2025-07-16 08:22 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Open-Appraisal is Missing Missing appraisal. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-07/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.68 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 688 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 843496 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 843498 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 843501 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 843517 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-08-20 13:09 | 2025-08-27 01:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Active license provided. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. See business license - Due Diligence Vendor-08/27/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Verbal VOE. - Due Diligence Vendor-08/20/2025 |  | Resolved-Active license provided. - Due Diligence Vendor-08/27/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843517 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-08-19 08:23 | 2025-08-20 12:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 46.37% exceeds Guideline DTI of 43% FTHB DTI exceeds 43% with no housing history (46.37%)<br> - Due Diligence Vendor-08/19/2025 |  | Waived-Audited DTI of 46.37% exceeds Guideline DTI of 43% FTHB DTI exceeds 43% with no housing history (46.37%)<br> - Due Diligence Vendor-08/19/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 | Credit Score 30+ points > minimum required, Reserves exceed requirement by 2 months or more. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843531 | xxxxxx | -- C A | Closed | xxxxxx | 2025-08-08 15:31 | 2025-08-14 11:03 | Resolved | 1 - Information C A | Credit | Eligibility | DTI exceeds program maximum | Resolved-Updated 1008 now reflecting Audited DTI of 49.309% provided - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/13/2025 <br> Counter-Missing updated 1008 reflecting Audited DTI of 49.31% - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. lock does not need to be updated - no pricing hit - LTV does not exceed 80% - Seller-08/12/2025 <br> Open-Possible pricing issue. <br> Tape DTI 41.77%-Audited Qualifying DTI of 49.31 - Subject PITIA $3,515.98 + Other debt $1746 = $5,261.98/ Income $10,672.15= 49.31%. Variance due Lender income $12,598 vs Audited $10,672.15. Multiple deposits from Construction or Construction type were not excluded. Bwr business is xxxxxx. Deposits from xxxxxx would not be consider business income for bwr. Loans meets guidelines for DTI, lender to verify if lock to be updated. <br> - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/13/2025 <br>Ready for Review-Document Uploaded. lock does not need to be updated - no pricing hit - LTV does not exceed 80% - Seller-08/12/2025<br>| Resolved-Updated 1008 now reflecting Audited DTI of 49.309% provided - Due Diligence Vendor-08/14/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843534 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-07 07:49 | 2025-08-12 15:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM provided showing monitoring up to and through closing with no new debts. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. Please see attached Gap Credit Report. <br> - Due Diligence Vendor-08/12/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/07/2025 |  | Resolved-UDM provided showing monitoring up to and through closing with no new debts. - Due Diligence Vendor-08/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.57 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843655 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-21 10:00 | 2025-08-27 00:24 | Resolved | 1 - Information C A | Credit | Income | Income/Employment General | Resolved-Ownership documents provided. No further issues. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. Please see operating agreement - Due Diligence Vendor-08/27/2025 <br>Open-Missing evidence of ownership of business. - Due Diligence Vendor-08/21/2025 |  | Resolved-Ownership documents provided. No further issues. - Due Diligence Vendor-08/27/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.79% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 13.79% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 13.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843655 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-21 10:08 | 2025-08-21 10:08 | Waived | 2 - Non-Material B | Credit | Missing Doc | VOM or VOR missing/required | Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. \* Residual income more than 2.5x the amount required by guidelines.<br> \* DTI <= 36% which is below requirement in guidelines - Due Diligence Vendor-08/21/2025 |  | Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. \* Residual income more than 2.5x the amount required by guidelines.<br> \* DTI <= 36% which is below requirement in guidelines - Due Diligence Vendor-08/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.79% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 13.79% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 13.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843655 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-20 11:36 | 2025-08-20 11:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements No housing history verified due to rent paid in cash (FTHB). - Due Diligence Vendor-08/20/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements No housing history verified due to rent paid in cash (FTHB). - Due Diligence Vendor-08/20/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.79% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 13.79% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 13.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 | \* Residual income more than 2.5x the amount required by guidelines.<br> \* DTI <= 36% which is below requirement in guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843731 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-27 07:39 | 2025-08-27 13:42 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Self-employment of 12 months when 24 months is required - Due Diligence Vendor-08/27/2025 |  | Waived-Income and Employment Do Not Meet Guidelines Self-employment of 12 months when 24 months is required - Due Diligence Vendor-08/27/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years | DTI <= 36% which is below requirement in guidelines<br> Residual income more than 2.5x the amount required by guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843789 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-06 11:26 | 2025-08-06 11:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Exception Required: Living Rent Free-Mtg on subject property and primary residence is in mothers name, housing history provided Comp Factors, investor exp (subject property), LTV 69.06% FICO 726. DSCR 1 - Due Diligence Vendor-08/06/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Exception Required: Living Rent Free-Mtg on subject property and primary residence is in mothers name, housing history provided Comp Factors, investor exp (subject property), LTV 69.06% FICO 726. DSCR 1 - Due Diligence Vendor-08/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.36 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Credit Score 20 points > minimum required<br> Reserves exceed requirement by 10 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 843790 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 843826 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-19 11:10 | 2025-08-21 22:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. See attached title commitment - Due Diligence Vendor-08/22/2025 <br>Open-Title Document is missing. - Due Diligence Vendor-08/19/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-08/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - TBD Calculated DTI Of 34.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - TBD Months Reserves Of 22.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843826 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-20 16:54 | 2025-08-21 22:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/22/2025 <br>Ready for Review-See attached purchase agreement - Due Diligence Vendor-08/22/2025 <br>Open-Purchase Contract Is Missing. - Due Diligence Vendor-08/20/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - TBD Calculated DTI Of 34.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - TBD Months Reserves Of 22.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843826 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-19 11:11 | 2025-08-21 22:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1 Executed 4506-T Resolved - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. See attached 4506-C - Due Diligence Vendor-08/22/2025 <br>Open-Borrower 1 Executed 4506-T Missing. - Due Diligence Vendor-08/19/2025 |  | Resolved-Borrower 1 Executed 4506-T Resolved - Due Diligence Vendor-08/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - TBD Calculated DTI Of 34.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - TBD Months Reserves Of 22.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843826 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-19 11:11 | 2025-08-21 22:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. See attached income verification - Due Diligence Vendor-08/22/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-08/19/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - TBD Calculated DTI Of 34.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - TBD Months Reserves Of 22.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843826 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-20 17:19 | 2025-08-21 22:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 2 Paystubs Missing | Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. See attached paystub - Due Diligence Vendor-08/22/2025 <br>Open-Borrower 2 Paystubs Missing - Due Diligence Vendor-08/20/2025 |  | Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - TBD Calculated DTI Of 34.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - TBD Months Reserves Of 22.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843826 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-20 17:19 | 2025-08-21 22:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 2 W2/1099 Missing | Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. See attached w2 - Due Diligence Vendor-08/22/2025 <br>Open-Borrower 2 W2/1099 Missing - Due Diligence Vendor-08/20/2025 |  | Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - TBD Calculated DTI Of 34.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - TBD Months Reserves Of 22.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843826 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-20 17:19 | 2025-08-21 22:53 | Resolved | 1 - Information C A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-08/22/2025 <br>Ready for Review-See attached. - Due Diligence Vendor-08/22/2025 <br>Open-Income 2 Months Income Verified is Missing B2 Income 2 Months Income Verified is Missing - Due Diligence Vendor-08/20/2025 |  | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-08/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - TBD Calculated DTI Of 34.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - TBD Months Reserves Of 22.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843826 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-19 11:10 | 2025-08-21 22:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. See attached flood cert in flood zone x - Due Diligence Vendor-08/22/2025 <br> Open-Missing Flood Certificate. - Due Diligence Vendor-08/19/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - TBD Calculated DTI Of 34.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - TBD Months Reserves Of 22.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843826 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-19 11:10 | 2025-08-21 22:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. See attached HOI - Due Diligence Vendor-08/22/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-08/19/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - TBD Calculated DTI Of 34.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - TBD Months Reserves Of 22.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843826 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-19 11:10 | 2025-08-21 22:44 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. See attached HOI - Due Diligence Vendor-08/22/2025 <br>Open-Named Insured does not match Borrower(s) Name(s) - Due Diligence Vendor-08/19/2025 |  | Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-08/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - TBD Calculated DTI Of 34.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - TBD Months Reserves Of 22.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843826 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-19 11:10 | 2025-08-21 22:44 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-08/22/2025 <br>Ready for Review-See attached HOI - Due Diligence Vendor-08/22/2025 <br>Open-Subject Property on Note does not match Insured Property Address - Due Diligence Vendor-08/19/2025 |  | Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-08/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - TBD Calculated DTI Of 34.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - TBD Months Reserves Of 22.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843826 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-19 11:13 | 2025-08-21 22:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. See attached xxxxxx 6/2025 stmt - Due Diligence Vendor-08/22/2025 <br> Open-Asset 1 Missing Asset Statement is missing - Due Diligence Vendor-08/19/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-08/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - TBD Calculated DTI Of 34.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - TBD Months Reserves Of 22.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843826 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-19 11:13 | 2025-08-21 22:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-08/22/2025 <br> Ready for Review-See attached xxxxxx 6/2025 stmt - Due Diligence Vendor-08/22/2025 <br> Open-Asset 2 Missing Asset Statement is missing - Due Diligence Vendor-08/19/2025 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-08/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - TBD Calculated DTI Of 34.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - TBD Months Reserves Of 22.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843826 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-19 11:13 | 2025-08-21 22:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-08/22/2025 <br> Ready for Review-See attached xxxxxx 6/2025 bank stmt - Due Diligence Vendor-08/22/2025 <br> Open-Asset 3 Missing Asset Statement is missing - Due Diligence Vendor-08/19/2025 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-08/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - TBD Calculated DTI Of 34.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - TBD Months Reserves Of 22.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843843 | xxxxxx | -- C A | Closed | xxxxxx | 2025-08-21 16:36 | 2025-08-27 08:23 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx SB 1581 High-Cost Home Loan Credit Transaction Points and Fees Threshold Test | Resolved-Undiscounted rate received, data entered, no additional compliance findings. - Due Diligence Vendor-08/27/2025 <br> Resolved- - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Please see the provided xxxxxx (Compliance) Report. xxxxxx! - Due Diligence Vendor-08/27/2025 <br> Open-\*\*\*Lender to provide a copy of their internal compliance test results for review. If any part of the discount points is bona fide, lender to provide the undiscounted rate with supporting documentation. - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Open-This loan failed the high-cost home loan credit transaction points and fees test due to one of the following findings: (xxxxxx SB 1581 Sec. 343.201 (1)(E))The date creditor received application is before xxxxxx; andThe total points and fees payable by the consumer at or before loan closing is $15,467.26, which exceeds the greater of 8 percent of the "total loan amount" (as defined in the official commentary to paragraph 32(a)(1)(ii)), or $632.00.The date creditor received application is on or after xxxxxx; andThe loan amount is xxxxxx or more, and the transaction's total points and fees is xxxxxx, which exceeds 5 percent of the total loan amount of xxxxxx; orThe loan amount is less than xxxxxx and the transaction's total points and fees is xxxxxx, which exceeds the lesser of 8 percent of the total loan amount of xxxxxx or xxxxxx. - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 |  | Resolved-Undiscounted rate received, data entered, no additional compliance findings. - Due Diligence Vendor-08/27/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 42.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.63 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.63 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843843 | xxxxxx | -- C A | Closed | xxxxxx | 2025-08-21 16:36 | 2025-08-27 08:23 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-Undiscounted rate received, data entered, no additional compliance findings. - Due Diligence Vendor-08/27/2025 <br> Resolved- - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Please see the provided xxxxxx (Compliance) Report. xxxxxx! - Due Diligence Vendor-08/27/2025 <br> Open-\*\*\*Lender to provide a copy of their internal compliance test results for review. If any part of the discount points is bona fide, lender to provide the undiscounted rate with supporting documentation. - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a xxxxxx RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a xxxxxx TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the xxxxxx or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 |  | Resolved-Undiscounted rate received, data entered, no additional compliance findings. - Due Diligence Vendor-08/27/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 42.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.63 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.63 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843843 | xxxxxx | -- C A | Closed | xxxxxx | 2025-08-21 16:36 | 2025-08-27 08:23 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-Undiscounted rate received, data entered, no additional compliance findings. - Due Diligence Vendor-08/27/2025 <br> Resolved- - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Please see the provided xxxxxx (Compliance) Report. xxxxxx! - Due Diligence Vendor-08/27/2025 <br> Open-\*\*\*Lender to provide a copy of their internal compliance test results for review. If any part of the discount points is bona fide, lender to provide the undiscounted rate with supporting documentation. - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is xxxxxx or more, and the transaction's total points and fees is xxxxxx, which exceeds 5 percent of the total loan amount of xxxxxx; orThe loan amount is less than xxxxxx and the transaction's total points and fees is xxxxxx, which exceeds the lesser of 8 percent of the total loan amount of xxxxxx. - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 |  | Resolved-Undiscounted rate received, data entered, no additional compliance findings. - Due Diligence Vendor-08/27/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 42.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.63 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.63 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843843 | xxxxxx | -- C A | Closed | xxxxxx | 2025-08-21 16:36 | 2025-08-27 08:23 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Resolved-Undiscounted rate received, data entered, no additional compliance findings. - Due Diligence Vendor-08/27/2025 <br> Resolved- - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Please see the provided xxxxxx (Compliance) Report. xxxxxx! - Due Diligence Vendor-08/27/2025 <br> Open-\*\*\*Lender to provide a copy of their internal compliance test results for review. If any part of the discount points is bona fide, lender to provide the undiscounted rate with supporting documentation. - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 |  | Resolved-Undiscounted rate received, data entered, no additional compliance findings. - Due Diligence Vendor-08/27/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 42.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.63 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.63 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843843 | xxxxxx | -- C A | Closed | xxxxxx | 2025-08-21 16:36 | 2025-08-27 08:23 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-Undiscounted rate received, data entered, no additional compliance findings. - Due Diligence Vendor-08/27/2025 <br> Resolved- - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Please see the provided xxxxxx (Compliance) Report. xxxxxx! - Due Diligence Vendor-08/27/2025 <br> Open-\*\*\*Lender to provide a copy of their internal compliance test results for review. If any part of the discount points is bona fide, lender to provide the undiscounted rate with supporting documentation. - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 |  | Resolved-Undiscounted rate received, data entered, no additional compliance findings. - Due Diligence Vendor-08/27/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 42.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.63 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.63 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843877 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-15 07:50 | 2025-08-22 00:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-B2 VVOE provided and shows no issues. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. See attached VVOE - Due Diligence Vendor-08/22/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing . Provide VVOE with xxxxxx, completed prior to closing. Per GL (Sec 2.7.5.3) A verbal VOE dated no more than 10 calendar days prior to Note date. - Due Diligence Vendor-08/15/2025 |  | Resolved-B2 VVOE provided and shows no issues. - Due Diligence Vendor-08/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.51 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843882 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-22 08:30 | 2025-08-27 00:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Worksheet provided. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. 1008 with calculation provided - Due Diligence Vendor-08/27/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary. - Due Diligence Vendor-08/22/2025 |  | Resolved-Worksheet provided. - Due Diligence Vendor-08/27/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 717 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 717 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.43% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 36.43% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.51 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.51 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843892 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 843901 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843908 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 843932 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844017 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-11 23:53 | 2025-08-22 11:04 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-Curative specific LOE, copy of refund check, PCCD and proof of mailing, has been provided - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. CD with cure, LOE and Cure check to borrower have been uploaded to satisfy condition. - Seller-08/21/2025 <br> Counter-Line C-6, shows a wire fee payable to xxxxxx. A wire fee is subject to APR testing. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. I do not see the fee you are speaking about in section B. It is in section C where it is supposed to be. Please see attached signed closing CD. - Seller-08/15/2025 <br> Counter-The fail is being caused because lender added a wire fee (APR) payable to realtor in section B. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. Please see attached report with Passing TILA . - Seller-08/14/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $380,170.70. The disclosed finance charge of $379,781.70 is not considered accurate because it is understated by more than $100. \*\*\*Loan failed the TILA Finance Charge test because the finance charge was understated by $489 which exceeds the $100 threshold. - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. CD with cure, LOE and Cure check to borrower have been uploaded to satisfy condition. - Seller-08/21/2025 <br>Ready for Review-Document Uploaded. I do not see the fee you are speaking about in section B. It is in section C where it is supposed to be. Please see attached signed closing CD. - Seller-08/15/2025 <br>Ready for Review-Document Uploaded. Please see attached report with Passing TILA . - Seller-08/14/2025<br>| Cured-Curative specific LOE, copy of refund check, PCCD and proof of mailing, has been provided - Due Diligence Vendor-08/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.19 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844017 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-11 21:00 | 2025-08-20 18:09 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Confirmed with client on approved matrix. Qualifying FICO meets matrix. - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/18/2025 <br>Counter-Please provided full Guidelines matrix. - Due Diligence Vendor-08/15/2025 <br>Ready for Review-Document Uploaded. Document Uploaded. As per matrix, min required FICO is 640. Please see attached - Seller-08/15/2025 <br>Counter-unable to open attachment, please reupload - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Document Uploaded. As per matrix, min required FICO is 640. Please see attached - Seller-08/14/2025 <br>Open-Audited FICO of 644 is less than Guideline FICO of 660 Missing Lending Exception for credit score below minimum requirements. - Due Diligence Vendor-08/12/2025 | Page CL shows xxxxxx as product. - 08/12/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/18/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. As per matrix, min required FICO is 640. Please see attached - Seller-08/15/2025 <br> Ready for Review-Document Uploaded. As per matrix, min required FICO is 640. Please see attached - Seller-08/14/2025 | Resolved-Confirmed with client on approved matrix. Qualifying FICO meets matrix. - Due Diligence Vendor-08/20/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.19 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844017 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-12 15:38 | 2025-08-19 14:40 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project is ineligible per guidelines | Resolved-Updated Condo Questionaire provided. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/18/2025 <br> Counter-Document Uploaded. Lender exception needed for 75% investor concentration according to condo questionnaire. Verus letter provides for max of 60% investor concentration. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. As per appraisal, owner occupied unit is 54% - Seller-08/15/2025 <br> Counter-Unbale to open attachment, please reupload. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. As per appraisal, owner occupied unit is 54% - Seller-08/14/2025 <br> Open-Condo project does not meet guidelines. Lender exception needed for 75% investor concentration according to condo questionnaire. Verus letter provides for max of 60% investor concentration. - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/18/2025 <br>Ready for Review-Document Uploaded. Document Uploaded. As per appraisal, owner occupied unit is 54% - Seller-08/15/2025 <br>Ready for Review-Document Uploaded. As per appraisal, owner occupied unit is 54% - Seller-08/14/2025<br>| Resolved-Updated Condo Questionaire provided. - Due Diligence Vendor-08/19/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.19 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844017 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-11 21:00 | 2025-08-14 16:33 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Document Uploaded. 1008 attached - Seller-08/14/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. 1008 attached - Seller-08/14/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.19 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844137 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-05 07:02 | 2025-08-05 13:06 | Waived | 2 - Non-Material B | Credit | Missing Doc - Credit | Missing Payment History | Waived-Waived with Compensating Factors. ALLOW PAID RECEIPTS FROM PRIVATE LENDER WHERE CANCELLED CHECKS ARE REQUIRED for verification of mortgage - Due Diligence Vendor-08/18/2025 |  | Waived-Waived with Compensating Factors. ALLOW PAID RECEIPTS FROM PRIVATE LENDER WHERE CANCELLED CHECKS ARE REQUIRED for verification of mortgage - Due Diligence Vendor-08/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.77 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.71% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.78 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 | 1. DTI IS 20% MAX ALLOWED IS 43%<br> 2. FICO IS 800 WHERE MINIMUM REQUIRED IS 680<br> 3. RESIDUAL INCOME >$10,000 WHERE RESIDUAL INCOME IS NOT REQUIRED |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 844137 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-05 13:04 | 2025-08-05 13:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Waived with Compensating Factors. Audited Reserves of 9.85 are less than Guideline Required Reserves of 12 - Due Diligence Vendor-08/18/2025 |  | Waived-Waived with Compensating Factors. Audited Reserves of 9.85 are less than Guideline Required Reserves of 12 - Due Diligence Vendor-08/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.77 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.71% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.78 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 | 1. DTI IS 20% MAX ALLOWED IS 43%<br> 2. FICO IS 800 WHERE MINIMUM REQUIRED IS 680<br> 3. RESIDUAL INCOME >$10,000 WHERE RESIDUAL INCOME IS NOT REQUIRED |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 844138 | xxxxxx | -- C A | Closed | xxxxxx | 2025-08-07 14:34 | 2025-08-20 09:17 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 48.81% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Counter-xxxxxx for the confusion - the DTI increase appear to be due to the Consumers debts (Audited vs Lenders) Lenders Total Consumer debts calculations reflect $2096.44 however all debts listed on lenders breakdown were verified and included in the Total other debts $2,144.00 vs $2,096.44 - xxxxxx $495, $441, $299 & $146.44 / xxxxxx $219 / xxxxxx $237 / xxxxxx $75.00 & $20 / xxxxxx $79 / xxxxxx $121 / xxxxxx $50.00 / xxxxxx $40 / xxxxxx $25 / xxxxxx $27 / xxxxxx $16 = $2,144.00 - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-Audited DTI of 50.29% exceeds Guideline DTI of 50% . Discrepency in DTI Audit recalculated total income of $13117 vs 13119 and Audit used GAP report liabilites. Final 1003 shows 3 xxxxxx accounts xxxxxx and xxxxxx used 1% of student loan balance. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Audited DTI of 48.81% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/20/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 47.60 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 47 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.27% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.49 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.91 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844138 | xxxxxx | -- C A | Closed | xxxxxx | 2025-08-07 10:45 | 2025-08-20 08:42 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Counter-xxxxxx received, however, documentation required is the PCCD. Borrower executed documents on xxxxxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period to line up with title documentation showing funding on xxxxxx not xxxxxx. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. The Pre CD was issued on xxxxxx (see attached) and loan funded on xxxxxx. - Seller-08/14/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Borrower executed documents on xxxxxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period to line up with title documentation showing funding on xxxxxx not xxxxxx. - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Ready for Review-Document Uploaded. The Pre CD was issued on xxxxxx (see attached) and loan funded on xxxxxx. - Seller-08/14/2025 | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-08/20/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 47.60 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 47 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.27% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.49 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.91 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844140 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-06 14:25 | 2025-08-06 14:28 | Waived | 2 - Non-Material B | Credit | Borrower | First time Home-Buyer but Mtg on credit history | Waived-Waived with Compensating Factors. Exception for borrower being FTHB & does not have primary address while current transaction is cashout refi of Second home - Due Diligence Vendor-08/18/2025 |  | Waived-Waived with Compensating Factors. Exception for borrower being FTHB & does not have primary address while current transaction is cashout refi of Second home - Due Diligence Vendor-08/18/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.57 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.50 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | FICO of 749 while min required is 720 <br> No Derogatory credit noted in most recent 4 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 844140 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-06 14:27 | 2025-08-06 14:27 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Waived with Compensating Factors. Appraisal notes property market conditions being in "Over-supply". - Due Diligence Vendor-08/18/2025 |  | Waived-Waived with Compensating Factors. Appraisal notes property market conditions being in "Over-supply". - Due Diligence Vendor-08/18/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.57 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.50 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | FICO of 749 while min required is 720 <br> No Derogatory credit noted in most recent 4 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 844140 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-06 14:24 | 2025-08-06 14:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Waived with Compensating Factors. Borrower not meeting 48 months of seasoning due to loan modification resulting from extension of maturity date. Noted extension is xxxxxx and unable to document seasoning. - Due Diligence Vendor-08/18/2025 |  | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Waived with Compensating Factors. Borrower not meeting 48 months of seasoning due to loan modification resulting from extension of maturity date. Noted extension is xxxxxx and unable to document seasoning. - Due Diligence Vendor-08/18/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.57 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.50 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | FICO of 749 while min required is 720 <br> No Derogatory credit noted in most recent 4 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 844140 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-06 14:23 | 2025-08-06 14:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 46.33% exceeds Guideline DTI of 43% Waived with Compensating Factors. Exception for using DTI up to 50% from 43% for borrower living rent free . - Due Diligence Vendor-08/18/2025 |  | Waived-Audited DTI of 46.33% exceeds Guideline DTI of 43% Waived with Compensating Factors. Exception for using DTI up to 50% from 43% for borrower living rent free . - Due Diligence Vendor-08/18/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.57 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.50 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | FICO of 749 while min required is 720 <br> No Derogatory credit noted in most recent 4 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 844141 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-07 15:08 | 2025-08-07 15:08 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Waived with Compensating Factors. Exception to use a co-mingled joint account with the borrower's working spouse for the period 07/01/2024–12/31/2024, and the business account from January 2025 onward, as deposits were switched to the business bank account. - Due Diligence Vendor-08/18/2025 |  | Waived-Income and Employment Do Not Meet Guidelines Waived with Compensating Factors. Exception to use a co-mingled joint account with the borrower's working spouse for the period 07/01/2024–12/31/2024, and the business account from January 2025 onward, as deposits were switched to the business bank account. - Due Diligence Vendor-08/18/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.32% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | LTV of 46.323% while max allowed is 80%, Reserves of 6+ months, FICO 782, Mortgage rating for investment property xxxxxx  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 844142 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-05 16:09 | 2025-08-12 11:45 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Open-Please provide entire initial disclosure package for review - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025<br>| Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-08/12/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844142 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-05 16:08 | 2025-08-12 08:56 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Locked ILE and all initial disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-08/12/2025 <br>Open-Initial LE is missing<br>Documentation provided does not contain the______________________________________. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings - Due Diligence Vendor-08/05/2025 |  | Resolved-Locked ILE and all initial disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-08/12/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844142 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-06 08:24 | 2025-08-12 08:55 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Locked ILE and all initial disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-08/12/2025 <br> Resolved- - Due Diligence Vendor-08/12/2025 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. Documentation provided does not contain the Initial Loan Estimate ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-08/06/2025 |  | Resolved-Locked ILE and all initial disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-08/12/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844142 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-06 08:24 | 2025-08-12 08:55 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Locked ILE and all initial disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-08/12/2025 <br> Resolved- - Due Diligence Vendor-08/12/2025 <br> Open-Documentation provided does not contain the Initial Loan Estimate ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-08/06/2025 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-08/06/2025 |  | Resolved-Locked ILE and all initial disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-08/12/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844142 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-06 08:24 | 2025-08-12 08:55 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Locked ILE and all initial disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-08/12/2025 <br> Resolved- - Due Diligence Vendor-08/12/2025 <br> Open-Documentation provided does not contain the Initial Loan Estimate ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-08/06/2025 <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 $15,835.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-08/06/2025 |  | Resolved-Locked ILE and all initial disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-08/12/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844142 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-06 08:24 | 2025-08-12 08:55 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Locked ILE and all initial disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-08/12/2025 <br> Resolved- - Due Diligence Vendor-08/12/2025 <br> Open-Documentation provided does not contain the Initial Loan Estimate ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-08/06/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/06/2025 |  | Resolved-Locked ILE and all initial disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-08/12/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844142 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-06 08:24 | 2025-08-12 08:55 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Locked ILE and all initial disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-08/12/2025 <br> Resolved- - Due Diligence Vendor-08/12/2025 <br> Open-Documentation provided does not contain the Initial Loan Estimate ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-08/06/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/06/2025 |  | Resolved-Locked ILE and all initial disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-08/12/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844142 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-06 08:24 | 2025-08-12 08:55 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Locked ILE and all initial disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-08/12/2025 <br> Resolved- - Due Diligence Vendor-08/12/2025 <br> Open-Documentation provided does not contain the Initial Loan Estimate ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-08/06/2025 <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% ($4,361.00) exceed the comparable charges ($0.00) 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). - Due Diligence Vendor-08/06/2025 |  | Resolved-Locked ILE and all initial disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-08/12/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844142 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-05 16:06 | 2025-08-12 08:44 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. Looks like the initial disclosure pkg was missing for all the conditions added - Seller-08/11/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Looks like the initial disclosure pkg was missing for all the conditions added - Seller-08/11/2025<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-08/12/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844142 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-06 08:18 | 2025-08-12 08:44 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-08/12/2025 <br>Open-Required Affiliated Business Disclosure Missing Affiliated Business Disclosure Missing - Due Diligence Vendor-08/06/2025 |  | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-08/12/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844142 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-05 17:28 | 2025-08-05 17:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 46.99% exceeds Guideline DTI of 43% Waived with Compensating Factors. Lender exception to use max DTI of 50% in lieu of max 43% for 24PL only program. - Due Diligence Vendor-08/18/2025 |  | Waived-Audited DTI of 46.99% exceeds Guideline DTI of 43% Waived with Compensating Factors. Lender exception to use max DTI of 50% in lieu of max 43% for 24PL only program. - Due Diligence Vendor-08/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Housing history; no lates past 35 months<br> FICO of 690 above 660 minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844143 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-07 05:54 | 2025-08-07 05:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 46.59% exceeds Guideline DTI of 43% Waived with Compensating Factors. Exception required for 46.62% DTI. Maximum DTI allowed is 43% - Due Diligence Vendor-08/18/2025 |  | Waived-Audited DTI of 46.59% exceeds Guideline DTI of 43% Waived with Compensating Factors. Exception required for 46.62% DTI. Maximum DTI allowed is 43% - Due Diligence Vendor-08/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 408 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.50 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years | • FICO of 713<br> • Borrower has been in the business for more than 5 years<br> • All debts are paid on time |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 844143 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-07 05:50 | 2025-08-07 05:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Waived-Waived with Compensating Factors. Exception required on payment shock of 781.77%. Maximum payment shock allowed is 300%. - Due Diligence Vendor-08/18/2025 |  | Waived-Waived with Compensating Factors. Exception required on payment shock of 781.77%. Maximum payment shock allowed is 300%. - Due Diligence Vendor-08/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 408 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.50 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years | FICO of 713<br> Borrower has been in the business for more than 5 years<br> All debts are paid on time |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 844144 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-07-18 10:05 | 2025-09-09 21:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 675 is less than Guideline FICO of 680 675 DOES NOT MEET THE MINIMUM OF 680 FOR INTEREST ONLY - Due Diligence Vendor-07/18/2025 |  | Waived-Audited FICO of 675 is less than Guideline FICO of 680 675 DOES NOT MEET THE MINIMUM OF 680 FOR INTEREST ONLY - Due Diligence Vendor-07/18/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 23.33% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.54 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 1. RESERVES OF 80+ MONTHS, MINIMUM REQUIRED IS 6 MONTHS<br> 2. BORROWER HAS OWNED SUBJECT PROPERTY FOR 24 YEARS<br> 3. DTI <36% MAX ALLOWED 50%<br> 4. LTV <24% MAX ALLOWED 75% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes | xxxxxx |
| 844144 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-07-18 15:38 | 2025-07-30 10:19 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. initial LE is included in initial disclosures - Seller-07/29/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Loan Estimate is Missing. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.<br> - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. initial LE is included in initial disclosures - Seller-07/29/2025<br>| Resolved-ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-07/30/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 23.33% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.54 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 844144 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-07-18 15:36 | 2025-07-30 10:02 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Initial Disclosure Package Provided - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025 <br>Open-Service Provider List is Missing - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Initial Disclosure Package Provided - Due Diligence Vendor-07/30/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 23.33% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.50 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.54 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 844144 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-07-18 15:36 | 2025-07-30 09:03 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/30/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 23.33% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.54 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 844144 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-07-18 15:36 | 2025-07-30 09:03 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-07/30/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 23.33% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.54 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 844145 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-09-09 23:13 | 2025-09-09 23:13 | Waived | 2 - Non-Material B | Credit | Eligibility | DTI exceeds program maximum | Waived-Client waived with compensating factors. Borrower DTI of 46.55% exceeds max allowable DTI of 43% for borrower with incomplete housing history. - Due Diligence Vendor-09/10/2025 |  | Waived-Client waived with compensating factors. Borrower DTI of 46.55% exceeds max allowable DTI of 43% for borrower with incomplete housing history. - Due Diligence Vendor-09/10/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 13.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.57 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.57 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 | 12+ months of reserves post loan closing ; Min FICO required is 720 while FICO on file is 788 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 844145 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-08-04 06:37 | 2025-09-09 22:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Waived with Compensating Factors. Exception for incomplete housing history. VOR is provided; canceled checks are missing and to retain file at 80% LTV <br> due to said reason, while guidelines require 75% - Due Diligence Vendor-08/18/2025 |  | Waived-Waived with Compensating Factors. Exception for incomplete housing history. VOR is provided; canceled checks are missing and to retain file at 80% LTV <br> due to said reason, while guidelines require 75% - Due Diligence Vendor-08/18/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 13.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.57 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.57 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 | 12+ months of reserves post loan closing ; Min FICO required is 720 while FICO on file is 788 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844145 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-09-09 22:05 | 2025-09-09 22:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contributions Do Not Meet Guidelines | Waived-Waived with Compensating Factors. Exception to use seller credit for non recurring costs and prepaid items - Due Diligence Vendor-09/10/2025 |  | Waived-Waived with Compensating Factors. Exception to use seller credit for non recurring costs and prepaid items - Due Diligence Vendor-09/10/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 13.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.57 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.57 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 | 12+ months of reserves post loan closing ; Min FICO required is 720 while FICO on file is 788 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844145 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-08-04 11:06 | 2025-08-05 12:23 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Condo Rider is Missing | Resolved-Condo Rider provided. - Due Diligence Vendor-08/05/2025 <br> Open-Condo Rider is Missing - Due Diligence Vendor-08/04/2025 |  | Resolved-Condo Rider provided. - Due Diligence Vendor-08/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 13.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.57 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.57 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844145 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-08-04 05:20 | 2025-08-05 12:23 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <br> Open-The Deed of Trust is Missing in the loan file. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-08/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 13.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.57 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.57 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844146 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-01 16:48 | 2025-09-09 22:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 85% exceeds Guideline LTV of 80% Waived with Compensating Factors. 85% LTV EXCEEDs MAX ALLOWED OF 80% BASED ON 706 FICO SCORE - Due Diligence Vendor-08/18/2025 |  | Waived-Audited LTV of 85% exceeds Guideline LTV of 80% Waived with Compensating Factors. 85% LTV EXCEEDs MAX ALLOWED OF 80% BASED ON 706 FICO SCORE - Due Diligence Vendor-08/18/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.15 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 706 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 706 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.07% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 31.07% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.23 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months Months Reserves Of 81.23 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months | 1. RESERVES OF >60 MONTHS, MINIMUM REQUIRED IS 6 MONTHS<br> 2. DTI <35%% MAX ALLOWED OF 43%<br> 3. RESIDUAL INCOME OF >$9000 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 844146 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-01 16:49 | 2025-09-09 22:09 | Waived | 2 - Non-Material B | Credit | Income | Income documentation does not meet guidelines | Waived-Waived with Compensating Factors. USE OF COMINGLED PERSONAL BANK STATEMENTS FOR INCOME WITHOUT 3 MONTHS BUSINESS BANK STATEMENTS - Due Diligence Vendor-08/18/2025 |  | Waived-Waived with Compensating Factors. USE OF COMINGLED PERSONAL BANK STATEMENTS FOR INCOME WITHOUT 3 MONTHS BUSINESS BANK STATEMENTS - Due Diligence Vendor-08/18/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.15 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 706 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 706 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.07% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 31.07% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.23 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months Months Reserves Of 81.23 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months | 1. RESERVES OF >60 MONTHS, MINIMUM REQUIRED IS 6 MONTHS<br> 2. DTI <35%% MAX ALLOWED OF 43%<br> 3. RESIDUAL INCOME OF >$9000 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 844146 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-18 18:57 | 2025-09-09 22:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Waived with Compensating Factors. Exception needed for Housing History. Borrower unable to document housing as rent is paid in cash. - Due Diligence Vendor-08/18/2025 |  | Waived-Waived with Compensating Factors. Exception needed for Housing History. Borrower unable to document housing as rent is paid in cash. - Due Diligence Vendor-08/18/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.15 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 706 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 706 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.07% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 31.07% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.23 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months Months Reserves Of 81.23 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months | 1. RESERVES OF >60 MONTHS, MINIMUM REQUIRED IS 6 MONTHS<br> 2. DTI <35%% MAX ALLOWED OF 43%<br> 3. RESIDUAL INCOME OF >$9000 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844147 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-05 18:34 | 2025-08-05 19:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Waived with Compensating Factors. Property located in xxxxxx area. Not allowed according to guidelines. - Due Diligence Vendor-08/18/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Waived with Compensating Factors. Property located in rural area. Not allowed according to guidelines. - Due Diligence Vendor-08/18/2025 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.48 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.91 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Borrower's credit score exceeds minimum by 143 points<br> Property Marketing time under 6 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844147 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-05 15:29 | 2025-08-05 19:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Waived-Waived with Compensating Factors. Lender exception #3 Payment shock of 392.88% exceeds the max allowed of 200% - Due Diligence Vendor-08/18/2025 |  | Waived-Waived with Compensating Factors. Lender exception #3 Payment shock of 392.88% exceeds the max allowed of 200% - Due Diligence Vendor-08/18/2025 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.48 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.91 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Borrower exceeds minimum credit score requirement by 143 points<br> Marketing time under 6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844147 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-05 19:02 | 2025-08-05 19:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 46.08% exceeds Guideline DTI of 43% Waived with Compensating Factors. Lender exception #6 DTI exceeds 43% program guideline. - Due Diligence Vendor-08/18/2025 |  | Waived-Audited DTI of 46.08% exceeds Guideline DTI of 43% Waived with Compensating Factors. Lender exception #6 DTI exceeds 43% program guideline. - Due Diligence Vendor-08/18/2025 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.48 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.91 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Borrower exceeds minimum credit score by 143 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844148 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-01 14:08 | 2025-08-01 14:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Waived with Compensating Factors. Exception for not meeting guideline: consumer debt – max 1x30 on non-mortgage debt; no rolling lates. Credit report shows one non mortgage tradeline 3x30, 1x60, and 1x90 during past 24 months. - Due Diligence Vendor-08/18/2025 |  | Waived-Waived with Compensating Factors. Exception for not meeting guideline: consumer debt – max 1x30 on non-mortgage debt; no rolling lates. Credit report shows one non mortgage tradeline 3x30, 1x60, and 1x90 during past 24 months. - Due Diligence Vendor-08/18/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.02 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.91 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.75 Years | DTI of 39.724% <br> Stable earning of borrower (year on year growth) <br> Reserves of 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 844148 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-01 14:05 | 2025-08-01 14:05 | Waived | 2 - Non-Material B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Waived with Compensating Factors. Exception to use payment ledger in lieu of vor supported by monthly payments noted in bank account - Due Diligence Vendor-08/18/2025 |  | Waived-Waived with Compensating Factors. Exception to use payment ledger in lieu of vor supported by monthly payments noted in bank account - Due Diligence Vendor-08/18/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.02 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.91 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.75 Years | DTI of 39.724% <br> Stable earning of borrower (year on year growth) <br> Reserves of 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 844148 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-01 14:04 | 2025-08-01 14:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Waived-Waived with Compensating Factors. Payment shock is 417.197% exceeding max allowed 200% - Due Diligence Vendor-08/18/2025 |  | Waived-Waived with Compensating Factors. Payment shock is 417.197% exceeding max allowed 200% - Due Diligence Vendor-08/18/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.02 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.91 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.75 Years | DTI of 39.724% <br> Stable earning of borrower (year on year growth) <br> Reserves of 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 844148 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-01 14:04 | 2025-08-01 14:04 | Waived | 2 - Non-Material B | Credit | Borrower | Potential Identity Issues identified in the file | Waived-Waived with Compensating Factors. Exception for co borrower for missing EAD (no ITIN letter, cannot verify if DACA, TPS or status in the xxxxxx). Provided DL, foreign passport and has SSN. - Due Diligence Vendor-08/18/2025 |  | Waived-Waived with Compensating Factors. Exception for co borrower for missing EAD (no ITIN letter, cannot verify if DACA, TPS or status in the xxxxxx). Provided DL, foreign passport and has SSN. - Due Diligence Vendor-08/18/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.02 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.91 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.75 Years | DTI of 39.724% <br> Stable earning of borrower (year on year growth) <br> Reserves of 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 844148 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-01 14:03 | 2025-08-01 14:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 65% Waived with Compensating Factors. LTV of 75% exceeds the max of 65% for 652 FICO - Due Diligence Vendor-08/18/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 65% Waived with Compensating Factors. LTV of 75% exceeds the max of 65% for 652 FICO - Due Diligence Vendor-08/18/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.02 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.91 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.75 Years | DTI of 39.724% <br> Stable earning of borrower (year on year growth) <br> Reserves of 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 844154 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-31 15:20 | 2025-09-09 22:07 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% LTV OF 75% EXCEEDS PROGRAM MAX OF 70% FOR UNLEASED PROPERTY ON DSCR - Due Diligence Vendor-07/31/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% LTV OF 75% EXCEEDS PROGRAM MAX OF 70% FOR UNLEASED PROPERTY ON DSCR - Due Diligence Vendor-07/31/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.66 Years Borrower At Current Residence For Five (5) Or More Years - 21.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.67 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 97.67 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 707 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | 1. DSCR OF 1.21 EXCEEDS MINIMUM REQUIRED OF 1.0 <br> 2. FICO OF 707 IS GREATER THAN MINIMUM REQUIRED OF 660 <br> 3. RESERVES OF 90+ MONTHS EXCEED MINIMUM REQUIRED OF 2 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 844159 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844162 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-05 14:41 | 2025-08-05 15:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 49.69% exceeds Guideline DTI of 43% Waived with Compensating Factors. Exception approval is required for DTI of 49.727%. Per guideline, maximum allowed DTI is 43%. - Due Diligence Vendor-08/18/2025 |  | Waived-Audited DTI of 49.69% exceeds Guideline DTI of 43% Waived with Compensating Factors. Exception approval is required for DTI of 49.727%. Per guideline, maximum allowed DTI is 43%. - Due Diligence Vendor-08/18/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.79% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 Years | All consumer credit paid as agreed in the most recent 12 months<br> Borrower exceeds minimum credit score requirement by 134 points |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 844162 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-05 14:41 | 2025-08-05 15:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 5.28 are less than Guideline Required Reserves of 6 Waived with Compensating Factors. Exception to allow reserves. Per guidelines reserves requirement is 6 months of PITIA - Due Diligence Vendor-09/10/2025 |  | Waived-Audited Reserves of 5.28 are less than Guideline Required Reserves of 6 Waived with Compensating Factors. Exception to allow reserves. Per guidelines reserves requirement is 6 months of PITIA - Due Diligence Vendor-09/10/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.79% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 Years | All consumer credit paid as agreed in the most recent 12 months<br> Borrower exceeds minimum credit score requirement by 134 points |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 844162 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-05 14:42 | 2025-08-05 15:54 | Waived | 2 - Non-Material B | Credit | Borrower | Potential Identity Issues identified in the file | Waived-Waived with Compensating Factors. Borrower does not have an ITIN or EAD as required per program. - Due Diligence Vendor-08/18/2025 |  | Waived-Waived with Compensating Factors. Borrower does not have an ITIN or EAD as required per program. Borrower has a US SSN, with evidence of tax filing in file. Valid passport in file good through June 30, 2027. - Due Diligence Vendor-08/18/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.79% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 Years | All consumer credit paid as agreed in the most recent 12 months<br> Borrower exceeds minimum credit score requirement by 134 points |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 844190 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-15 11:33 | 2025-08-20 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. 1003 & 1008 REVISED TO REMOVE THIS. - Seller-08/19/2025 <br> Open-Asset 1 Missing xxxxxx bank statement xxxxxx with an available balance of $7,000 was not provided. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. 1003 & 1008 REVISED TO REMOVE THIS. - Seller-08/19/2025 | Resolved-Asset 1 Provided - Due Diligence Vendor-08/20/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 114.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844190 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-15 11:33 | 2025-08-20 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. 1003 & 1008 REVISED TO REMOVE. - Seller-08/19/2025 <br> Open-Asset 2 Missing xxxxxx bank statement xxxxxx with an available balance of $60000 was not provided. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. 1003 & 1008 REVISED TO REMOVE. - Seller-08/19/2025 | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-08/20/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 114.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844436 | xxxxxx | -- D A C | Closed | xxxxxx | 2025-08-27 05:19 | 2025-08-29 09:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary Provide Bank Statement Lender Income Calc for the Calculate income and Verify Deposits and Excludes. - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/29/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.85 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.50 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxxxxx |
| 844436 | xxxxxx | -- D A C | Closed | xxxxxx | 2025-08-27 13:48 | 2025-08-28 13:16 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event details of new information received, data entered, no additional compliance findings. - Due Diligence Vendor-08/28/2025 <br> Resolved- - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. COC for Initial CD uploaded - Seller-08/28/2025 <br> Open-\*\*\*\*Section B's Appraisal Desk Review fee increased from $375 to $575. The original loan documents provided do not contain a valid COC reason in relation to the fee increase and the Final CD's do not indicate a part of the lender credits in Section J are intended to cure the increase. - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <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 $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. COC for Initial CD uploaded - Seller-08/28/2025 | Resolved-COC event details of new information received, data entered, no additional compliance findings. - Due Diligence Vendor-08/28/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.85 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.50 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxxxxx |
| 844436 | xxxxxx | -- D A C | Closed | xxxxxx | 2025-08-27 13:48 | 2025-08-28 13:16 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event details of new information received, data entered, no additional compliance findings. - Due Diligence Vendor-08/28/2025 <br> Resolved- - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Open-\*\*\*\*Section B's Appraisal Desk Review fee increased from $375 to $575. The original loan documents provided do not contain a valid COC reason in relation to the fee increase and the Final CD's do not indicate a part of the lender credits in Section J are intended to cure the increase. - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025<br>| Resolved-COC event details of new information received, data entered, no additional compliance findings. - Due Diligence Vendor-08/28/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.85 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.50 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxxxxx |
| 844436 | xxxxxx | -- D A C | Closed | xxxxxx | 2025-08-27 13:48 | 2025-08-28 13:16 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event details of new information received, data entered, no additional compliance findings. - Due Diligence Vendor-08/28/2025 <br> Resolved- - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Open-\*\*\*\*Section B's Appraisal Desk Review fee increased from $375 to $575. The original loan documents provided do not contain a valid COC reason in relation to the fee increase and the Final CD's do not indicate a part of the lender credits in Section J are intended to cure the increase. - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025<br>| Resolved-COC event details of new information received, data entered, no additional compliance findings. - Due Diligence Vendor-08/28/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.85 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.50 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxxxxx |
| 844825 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844948 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-07 09:58 | 2025-09-09 22:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contributions Do Not Meet Guidelines | Waived-Waived with Compensating Factors. EXCEPTION FOR SELLER CONCESSION OF $18,247, MAX ALLOWED IS $17,297.92. - Due Diligence Vendor-08/18/2025 |  | Waived-Waived with Compensating Factors. EXCEPTION FOR SELLER CONCESSION OF $18,247, MAX ALLOWED IS $17,297.92. - Due Diligence Vendor-08/18/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.91% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 716 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.46 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.12 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months | 1. DTI is <10%%, max allowed is 43%<br> 2. Credit Score is 716, minimum required is 640<br> 3. Post closing reserves is 40+ months which program requires 8 months<br> 4. Payment shock is 115.830% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 844948 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-19 17:35 | 2025-09-09 22:11 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Partially Provided | Waived-Waived with Compensating Factors. EXCEPTION TO USE W-7 FORM FOR ITIN ISSUED MORE THAN 3 YEARS AGO. - Due Diligence Vendor-08/19/2025 |  | Waived-Waived with Compensating Factors. EXCEPTION TO USE W-7 FORM FOR ITIN ISSUED MORE THAN 3 YEARS AGO. - Due Diligence Vendor-08/19/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.91% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 716 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.46 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.12 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months | 1. DTI is <10%%, max allowed is 43%<br> 2. Credit Score is 716, minimum required is 640<br> 3. Post closing reserves is 40+ months which program requires 8 months<br> 4. Payment shock is 115.830% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844948 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-19 17:37 | 2025-09-09 22:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Waived with Compensating Factors. EXCEPTION FOR BORROWER DOES NOT MEET THE 24 MONTHS RENTAL HISTORY REQUIREMENT FOR PURCHASES BETWEEN RENTER AND LANDLORD. BORROWER ONLY HAS 20 MONTHS. - Due Diligence Vendor-08/19/2025 |  | Waived-Waived with Compensating Factors. EXCEPTION FOR BORROWER DOES NOT MEET THE 24 MONTHS RENTAL HISTORY REQUIREMENT FOR PURCHASES BETWEEN RENTER AND LANDLORD. BORROWER ONLY HAS 20 MONTHS. - Due Diligence Vendor-08/19/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.91% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 716 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.46 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.12 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months | 1. DTI is <10%%, max allowed is 43%<br> 2. Credit Score is 716, minimum required is 640<br> 3. Post closing reserves is 40+ months which program requires 8 months<br> 4. Payment shock is 115.830% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844951 | xxxxxx | -- B A | Closed | xxxxxx | 2025-09-09 23:14 | 2025-09-09 23:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Transferred Appraisal does not meet guideline requirements | Waived-Client waived with compensating factors. Appraisal is transferred as "Subject-to", which is not permitted per guidelines. Value supported and 1004D obtained. - Due Diligence Vendor-09/10/2025 |  | Waived-Client waived with compensating factors. Appraisal is transferred as "Subject-to", which is not permitted per guidelines. Value supported and 1004D obtained. - Due Diligence Vendor-09/10/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.13 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.12 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.13 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.27 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.81% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | FICO exceeds minimum by 83 points<br> Borrowers 29+ years in business<br> DTI < 35% |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 844951 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-15 07:47 | 2025-08-15 07:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Client waived with compensating factors. Lender exception to exceed Option 5 PNL Cashout limit of 70%. - Due Diligence Vendor-08/28/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Client waived with compensating factors. Lender exception to exceed Option 5 PNL Cashout limit of 70%. - Due Diligence Vendor-08/28/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.13 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.12 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.13 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.27 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.81% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | FICO score exceeds minimum by 83 points<br> Borrowers in same line of work > 29 years<br> DTI < 40% |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 844951 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-15 07:52 | 2025-08-15 07:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Client waived with compensating factors. Lender exception for loan modification < 48 months not met. Note of property matured May xxxxxx and was extended. - Due Diligence Vendor-08/28/2025 |  | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Client waived with compensating factors. Lender exception for loan modification < 48 months not met. Note of property matured xxxxxx and was extended. - Due Diligence Vendor-08/28/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.13 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.12 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.13 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.27 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.81% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | FICO exceeds minimum by 83 points<br> Borrowers 29+ years in business<br> DTI < 35% |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 845537 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845551 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845865 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 845880 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845889 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 845890 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845891 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-18 05:01 | 2025-08-19 15:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Updated 1003 provided. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. Borrower has signed an occupancy affidavit at closing with the intent to occupy the subject property as a 2nd home. LOE is not required.<br> Appraisal denotes property was tenant occupied at time of inspection. This is a purchase transaction; thus property would be vacant after closing.<br> Google Maps confirms distance between primary residence and subject is xxxxxx miles / xxxxxx hours in distance.<br> - Seller-08/18/2025 <br> Open-1) 1003 Sec 5 B says borrower has family or business affiliation with seller of property without further explanation. <br> 2) Missing LOE about 2nd home purpose, appraisal shows subject property occupied by tenant and borrower has several rental properties. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. Borrower has signed an occupancy affidavit at closing with the intent to occupy the subject property as a 2nd home. LOE is not required.<br> Appraisal denotes property was tenant occupied at time of inspection. This is a purchase transaction; thus property would be vacant after closing.<br> Google Maps confirms distance between primary residence and subject is xxxxxx miles / xxxxxx hours in distance.<br> - Seller-08/18/2025 | Resolved-Updated 1003 provided. - Due Diligence Vendor-08/19/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.15 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.08 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.83 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 845895 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 845896 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-16 06:45 | 2025-08-19 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE or LLC verifications are not dated. - Due Diligence Vendor-08/16/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/19/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 38.63 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845898 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-18 03:48 | 2025-09-09 23:16 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Lender exception for being less than 6 months since last cash out refinance. - Due Diligence Vendor-08/18/2025 |  | Waived-Lender exception for being less than 6 months since last cash out refinance. - Due Diligence Vendor-08/18/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.69 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.60 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.91% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | DTI 5% below max<br> PITI reserves 6 months over minimum<br> 5+ years business ownership |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 845898 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-16 14:14 | 2025-08-19 08:28 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event details received, data entered, no additional compliance findings - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,421.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*Lender credits decreased to zero in the revised LE issued xxxxxx and the original file does not contain a valid COC in relation to the decrease of the lender credits. - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/16/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings - Due Diligence Vendor-08/19/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.69 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.60 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.91% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845898 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-16 14:14 | 2025-08-19 08:28 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event details received, data entered, no additional compliance findings - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <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 $6,412.50.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). \*\*Discount Points fee increased in Revised LE issued xxxxxx and an additional increase disclosed in revised CD issued xxxxxx. The original file does not contain a valid COC in relation to each of the increases/ - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/16/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings - Due Diligence Vendor-08/19/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.69 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.60 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.91% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845898 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-16 14:14 | 2025-08-19 08:28 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event details received, data entered, no additional compliance findings - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-\*\*Lender credits decreased to zero in the revised LE issued xxxxxx and the original file does not contain a valid COC in relation to the decrease of the lender credits. \*\*Discount Points fee increased in Revised LE issued xxxxxx and an additional increase disclosed in revised CD issued xxxxxx. The original file does not contain a valid COC in relation to each of the increases. - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/16/2025 <br> Open- - Due Diligence Vendor-08/16/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings - Due Diligence Vendor-08/19/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.69 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.60 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.91% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845898 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-16 14:14 | 2025-08-19 08:28 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event details received, data entered, no additional compliance findings - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-\*\*Lender credits decreased to zero in the revised LE issued xxxxxx and the original file does not contain a valid COC in relation to the decrease of the lender credits. \*\*Discount Points fee increased in Revised LE issued xxxxxx and an additional increase disclosed in revised CD issued xxxxxx. The original file does not contain a valid COC in relation to each of the increases. - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/16/2025 <br> Open- - Due Diligence Vendor-08/16/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings - Due Diligence Vendor-08/19/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.69 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.60 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.91% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845900 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-28 07:11 | 2025-07-31 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. - Seller-07/30/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing hazard endorsement page, only invoice provided - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/31/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 79.85% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.56 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845902 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-06 15:13 | 2025-08-08 12:17 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/07/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-08/08/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.99 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845902 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-06 15:20 | 2025-08-08 10:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/07/2025 <br> Open-Third Party Fraud Report Partially Provided Fraud Report is missing from the file. Exclusionary list was provided for review. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-08/08/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.99 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845902 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-06 07:42 | 2025-08-07 15:09 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. - Seller-08/07/2025 <br> Open-1008/Underwriting Summary Not Provided missing in file - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/07/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.99 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845903 | xxxxxx | -- D B A C | Closed | xxxxxx | 2025-07-15 10:20 | 2025-07-16 10:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Open-10 Months Bank Statements are Provided, May-2025 and April-2025 Months are Missing. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-07/16/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.25% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 1008/Underwriting Summary Not Provided Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 242 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845903 | xxxxxx | -- D B A C | Closed | xxxxxx | 2025-07-11 16:29 | 2025-07-15 13:12 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. - Seller-07/14/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Appraisal is marked Subject to completion, 1004D is not found in the file - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/14/2025<br>| Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-07/15/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.25% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 1008/Underwriting Summary Not Provided Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 242 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845903 | xxxxxx | -- D B A C | Closed | xxxxxx | 2025-07-11 10:16 | 2025-07-15 13:11 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. - Seller-07/14/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/14/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/15/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.25% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 1008/Underwriting Summary Not Provided Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 242 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845903 | xxxxxx | -- D B A C | Closed | xxxxxx | 2025-07-10 21:52 | 2025-07-15 13:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. - Seller-07/14/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/14/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/15/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.25% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 1008/Underwriting Summary Not Provided Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 242 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845903 | xxxxxx | -- D B A C | Closed | xxxxxx | 2025-07-11 10:16 | 2025-07-11 10:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 636 is less than Guideline FICO of 640 FICO exception of 636 vs 640 min - Due Diligence Vendor-07/11/2025 |  | Waived-Audited FICO of 636 is less than Guideline FICO of 640 FICO exception of 636 vs 640 min - Due Diligence Vendor-07/11/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.25% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 1008/Underwriting Summary Not Provided Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 242 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 845905 | xxxxxx | -- D A C | Closed | xxxxxx | 2025-08-12 17:03 | 2025-08-15 10:04 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-08/15/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.16 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 815.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 23.25% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.49% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845905 | xxxxxx | -- D A C | Closed | xxxxxx | 2025-08-12 10:11 | 2025-08-14 15:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement provided (escrowed) - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. impounded - Seller-08/14/2025 <br> Open-Missing verification of insurance, and/or HOA fees for non-subject property. xxxxxx. - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. impounded - Seller-08/14/2025<br>| Resolved-Mortgage statement provided (escrowed) - Due Diligence Vendor-08/14/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.16 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 815.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 23.25% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.49% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845905 | xxxxxx | -- D A C | Closed | xxxxxx | 2025-08-13 11:19 | 2025-08-14 15:20 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-1008/Underwriting Summary Not Provided Missing 1008. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/14/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.16 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 815.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 23.25% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.49% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845906 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-12 16:31 | 2025-08-15 13:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI Policy provided - No HOA - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-Missing hazard and HOA information for xxxxxx (primary residence) - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-HOI Policy provided - No HOA - Due Diligence Vendor-08/15/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.17 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845907 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-05 10:19 | 2025-08-06 07:50 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <br> Open-1008/Underwriting Summary Not Provided Missing 1008, unable to verify ratios. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/06/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 714 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.3 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845907 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-05 10:45 | 2025-08-06 07:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Dec page missing, unable to confirm coverages. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/06/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 714 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.3 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845907 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-05 09:39 | 2025-08-06 07:45 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/06/2025 <br> Open-The Final 1003 is Incomplete Demographic information are missing in final 1003 document. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-08/06/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 714 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.3 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845907 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-05 09:39 | 2025-08-06 07:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-08/06/2025 <br> Ready for Review-business purpose - not required - Seller-08/05/2025 <br> Open-The Initial 1003 is Missing Missing Initial 1003. - Due Diligence Vendor-08/05/2025 | Ready for Review-business purpose - not required - Seller-08/05/2025<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-08/06/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 714 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.3 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845909 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845914 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-23 09:29 | 2025-07-24 08:22 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-PCCD received - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-"\*\*\*\*\*\*\* Final Closing Disclosure Page 4 escrow indicator failed to indicate ""borrower declined"" or ""Lender does not offer""." - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| Resolved-PCCD received - Due Diligence Vendor-07/24/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845915 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-21 09:06 | 2025-07-23 08:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA statement provided. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Open-Missing HOA fees for xxxxxx - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-HOA statement provided. - Due Diligence Vendor-07/23/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.71 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845916 | xxxxxx | -- C A | Closed | xxxxxx | 2025-08-06 15:33 | 2025-08-08 10:52 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 now reflecting Audited DTI provided. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/07/2025 <br> Open-DTI variance due to F1008 does not include taxes and insurance of former primary for $195.57 into total DTI. Audit 37.86% vs Lender 1008 35.696%. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-Updated 1008 now reflecting Audited DTI provided. - Due Diligence Vendor-08/08/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.59 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.50 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845917 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845920 | xxxxxx | -- D B C A | Closed | xxxxxx | 2025-08-13 15:27 | 2025-08-14 16:05 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 42.61% is less than or equal to Guideline DTI of 43% - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-Audited DTI of 43.12% exceeds Guideline DTI of 43% Lender exception needed for DTI due to rent free status, cap of 43%. 2 credit card payments found on credit report and not seen on final 1003 but are seen on initial 1003. LOE about new one in file (page 255). - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Audited DTI of 42.61% is less than or equal to Guideline DTI of 43% - Due Diligence Vendor-08/14/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.48 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Experienced investor, no rental income considered |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845920 | xxxxxx | -- D B C A | Closed | xxxxxx | 2025-08-12 22:18 | 2025-08-14 16:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-Missing Hazard Insurance Policy RCE in file (page 486) Missing policy with coverages. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/14/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.48 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845920 | xxxxxx | -- D B C A | Closed | xxxxxx | 2025-08-13 15:01 | 2025-08-14 16:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with supporting comp factors: xxxxxx zoning - Seeking exception for xxxxxx zoning - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Lender exception needed for rural location. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Waived-Exception granted with supporting comp factors: xxxxxx zoning - Seeking exception for xxxxxx zoning - Due Diligence Vendor-08/14/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.48 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Fico 20+ points<br> 5+ years on Job |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 845920 | xxxxxx | -- D B C A | Closed | xxxxxx | 2025-08-13 02:33 | 2025-08-14 08:02 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC Pricing Exception detail received, data entered, no additional compliance findings. - Due Diligence Vendor-08/14/2025 <br> Resolved- - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-\*\*\*\*\*\* The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of $464. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $464 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-COC Pricing Exception detail received, data entered, no additional compliance findings. - Due Diligence Vendor-08/14/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.48 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845920 | xxxxxx | -- D B C A | Closed | xxxxxx | 2025-08-13 02:33 | 2025-08-14 08:02 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC Pricing Exception detail received, data entered, no additional compliance finding - Due Diligence Vendor-08/14/2025 <br> Resolved- - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-\*\*\*\* This loan failed the charges that cannot increase testThe following charges have been either added or increased:Discount Points resulting in a 0% tolerance cure in the amount of $927.50. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $927.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-COC Pricing Exception detail received, data entered, no additional compliance finding - Due Diligence Vendor-08/14/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.48 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845920 | xxxxxx | -- D B C A | Closed | xxxxxx | 2025-08-13 02:33 | 2025-08-14 08:02 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC Pricing Exception detail received, data entered, no additional compliance finding - Due Diligence Vendor-08/14/2025 <br> Resolved- - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\* Findings in relation to \*\*\*\* This loan failed the charges that cannot increase testThe following charges have been either added or increased:Discount Points resulting in a 0% tolerance cure in the amount of $927.50. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $927.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.<br> - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-COC Pricing Exception detail received, data entered, no additional compliance finding - Due Diligence Vendor-08/14/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.48 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845920 | xxxxxx | -- D B C A | Closed | xxxxxx | 2025-08-13 02:33 | 2025-08-14 08:02 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC Pricing Exception detail received, data entered, no additional compliance finding - Due Diligence Vendor-08/14/2025 <br> Resolved- - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\* Findings in relation to \*\*\*\* This loan failed the charges that cannot increase testThe following charges have been either added or increased:Discount Points resulting in a 0% tolerance cure in the amount of $927.50. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $927.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.<br> - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-COC Pricing Exception detail received, data entered, no additional compliance finding - Due Diligence Vendor-08/14/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.48 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845925 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845931 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-18 09:17 | 2025-08-18 14:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/18/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.27 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845933 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845934 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-13 17:31 | 2025-08-15 10:06 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved- PCCD received - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-"\*\*\*\*\*\*\*\*• Final Closing Disclosure Page 4 escrow indicator failed to indicate ""borrower declined"" or ""Lender does not offer""." - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved- PCCD received - Due Diligence Vendor-08/15/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.58 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845937 | xxxxxx | -- C B A | Closed | xxxxxx | 2025-08-15 15:25 | 2025-08-19 15:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception granted with supporting comp factors: 89% LTV requires 12 month Reserves - Seeking exception for 6 months - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-Audited Reserves of 6.52 are less than Guideline Required Reserves of 12 Per Expanded Doc LTV over 85% requires 12 months reserves lenders approval reflects they only verified/required 6 months. Verified under NonQM Matrix 050125.V1. (Borrower must have 5% into the transaction due to LTV over 85%) - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Waived-Exception granted with supporting comp factors: 89% LTV requires 12 month Reserves - Seeking exception for 6 months - Due Diligence Vendor-08/19/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Fico 20+ points<br> DTI 5% below max |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 845942 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845943 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-18 05:56 | 2025-08-18 05:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 48.43% exceeds Guideline DTI of 43% Lender exception for rent free DTI cap of 43%. - Due Diligence Vendor-08/18/2025 |  | Waived-Audited DTI of 48.43% exceeds Guideline DTI of 43% Lender exception for rent free DTI cap of 43%. - Due Diligence Vendor-08/18/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.21 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | FICO 20+ points over minimum<br> 5+ years at job<br> 10%+ borrower contribution<br> > 3 months minimum reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 845944 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845945 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-19 12:13 | 2025-08-21 11:49 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. - Seller-08/20/2025 <br> Counter-Lock Confirmation and COC event provided for decrease in lender credit and points in the amount of $328.86. \*\* COC event details have not been provided for Disclosure dated xxxxxx, increasing points from $328.86 to $1,142.86. - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <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 $1,142.86.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). - Due Diligence Vendor-08/19/2025 <br> Open-\*\*\*\*\*\* The following charges have been either added or increased: Discount Points resulting in a 0% tolerance cure in the amount of $1142.86. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $1142.86 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/19/2025 <br> Open- - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. - Seller-08/20/2025 <br>Ready for Review-Document Uploaded. - Seller-08/19/2025<br>| Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-08/21/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 665 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.70 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.70 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 845945 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-19 12:13 | 2025-08-21 11:49 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. This was already uploaded - Seller-08/20/2025 <br> Counter-Lock Confirmation and COC event provided for decrease in lender credit and points in the amount of $328.86. \*\* COC event details have not been provided for Disclosure dated xxxxxx, increasing points from $328.86 to $1,142.86. - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Open- - Due Diligence Vendor-08/19/2025 <br> Open-\*\*\*\*\* Finding in relation to \*\*\*\*\*\* The following charges have been either added or increased: Discount Points resulting in a 0% tolerance cure in the amount of $1142.86. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $1142.86 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/19/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/19/2025 <br> Open- - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. This was already uploaded - Seller-08/20/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-08/21/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 665 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.70 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.70 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 845945 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-19 12:13 | 2025-08-21 11:49 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. - Seller-08/20/2025 <br> Counter-Lock Confirmation and COC event provided for decrease in lender credit and points in the amount of $328.86. \*\* COC event details have not been provided for Disclosure dated xxxxxx, increasing points from $328.86 to $1,142.86. - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Open- - Due Diligence Vendor-08/19/2025 <br> Open-\*\*\*\*\* Finding in relation to \*\*\*\*\*\* The following charges have been either added or increased: Discount Points resulting in a 0% tolerance cure in the amount of $1142.86. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $1142.86 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/19/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/19/2025 <br> Open- - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. - Seller-08/20/2025 <br>Ready for Review-Document Uploaded. - Seller-08/19/2025<br>| Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-08/21/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 665 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.70 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.70 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 845945 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-19 12:13 | 2025-08-20 09:50 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Lock Confirmation and COC event provided for decrease in lender credit and points in the amount of $328.86. - Due Diligence Vendor-08/20/2025 <br> Resolved- - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,687.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-08/19/2025 <br> Open-\*\*\*\*\* The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of $1687. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $1687 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/19/2025 <br> Open- - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025<br>| Resolved-Lock Confirmation and COC event provided for decrease in lender credit and points in the amount of $328.86. - Due Diligence Vendor-08/20/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 665 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.70 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.70 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 845945 | xxxxxx | -- D A | Closed | xxxxxx | 2025-08-19 12:33 | 2025-08-20 09:39 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Locked LE - this should suffice in lieu of our rate lock - Seller-08/19/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\* Lock Confirmation has not been provided. ~~~~~~~~~~~~~ TPR is unable to determine if a Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was provided to the borrower within three business days after the interest rate was locked on UNKNOWN . Rate dependent charge changes subject to 0% tolerance total $1142.86. - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. Locked LE - this should suffice in lieu of our rate lock - Seller-08/19/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/20/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 665 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.70 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.70 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 846116 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 846118 | xxxxxx | -- C A | Closed | xxxxxx | 2025-08-22 19:04 | 2025-09-02 12:59 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Gap credit report pulled and still does not show any new debt. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. See attached Gap report. - Due Diligence Vendor-09/02/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-08/22/2025 |  | Resolved-Gap credit report pulled and still does not show any new debt. - Due Diligence Vendor-09/02/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.12 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846420 | xxxxxx | -- C A | Closed | xxxxxx | 2025-08-25 09:37 | 2025-08-28 14:04 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 13.94 are greater than or equal to Guideline Required Reserves of 12 - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. see attached updated stmt - Due Diligence Vendor-08/28/2025 <br> Open-Audited Reserves of 10.68 are less than Guideline Required Reserves of 12 Audited Reserves of 10.68 months are less than Guideline Required Reserves of 12 months, see page 4 of Guidelines for ltv > 85% for reserves requirements. - Due Diligence Vendor-08/25/2025 |  | Resolved-Audited Reserves of 13.94 are greater than or equal to Guideline Required Reserves of 12 - Due Diligence Vendor-08/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.17 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06. Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846691 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-22 15:40 | 2025-09-09 22:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 47.28% exceeds Guideline DTI of 43% Client waived with compensating factors. EXCEPTION FOR DTI OF 47.285%, MAXIMUM ALLOWED IS 43% FOR FTHB. - Due Diligence Vendor-08/28/2025 |  | Waived-Audited DTI of 47.28% exceeds Guideline DTI of 43% Client waived with compensating factors. EXCEPTION FOR DTI OF 47.285%, MAXIMUM ALLOWED IS 43% FOR FTHB. - Due Diligence Vendor-08/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 718 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Residual Income Greater Than Minimum Guideline Requirement - Borrower residual income of $28,993.40 exceeds guidelines minimum residual income of $2500 | 1. Credit Score is 717, minimum required is 660<br> 2. Payment shock is 153.320%, max allowed is 300%<br> 3. High Residual income |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 846691 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-22 15:40 | 2025-09-09 22:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $2000000 Client waived with compensating factors. EXCEPTION REQUIRED FOR xxxxxx LOAN AMOUNT. MAXIMUM LOAN AMOUNT IN xxxxxx IS $2M - Due Diligence Vendor-08/28/2025 |  | Waived-Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $2000000 Client waived with compensating factors. EXCEPTION REQUIRED FOR xxxxxx LOAN AMOUNT. MAXIMUM LOAN AMOUNT IN xxxxxx IS $2M - Due Diligence Vendor-08/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 718 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Residual Income Greater Than Minimum Guideline Requirement - Borrower residual income of $28,993.40 exceeds guidelines minimum residual income of $2500 | 1. Credit Score is 717, minimum required is 660<br> 2. Payment shock is 153.320%, max allowed is 300%<br> 3. High Residual income |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 846691 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-22 15:43 | 2025-09-09 22:39 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Client waived with compensating factors. EXCEPTION REQUIRED FOR USING CO-MINGLED JOINT ACCOUNT FOR INCOME. BORROWER xxxxxx IS 100% OWNER OF THE BUSINESS BUT BANK STATEMENTS USED IS JOINT WITH xxxxxx WHO HAS DIFFERENT BUSINESS. - Due Diligence Vendor-08/28/2025 |  | Waived-Client waived with compensating factors. EXCEPTION REQUIRED FOR USING CO-MINGLED JOINT ACCOUNT FOR INCOME. BORROWER xxxxxx IS 100% OWNER OF THE BUSINESS BUT BANK STATEMENTS USED IS JOINT WITH xxxxxx WHO HAS DIFFERENT BUSINESS. - Due Diligence Vendor-08/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 718 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Residual Income Greater Than Minimum Guideline Requirement - Borrower residual income of $28,993.40 exceeds guidelines minimum residual income of $2500 | 1. Credit Score is 717, minimum required is 660<br> 2. Payment shock is 153.320%, max allowed is 300%<br> 3. High Residual income |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 846691 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-22 15:40 | 2025-09-09 22:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 85% exceeds Guideline LTV of 75% Client waived with compensating factors. EXCEPTION REQUIRED FOR 85% LTV. MAXIMUM LTV ALLOWED IS 75% FOR >$2M LOAN AMOUNT - Due Diligence Vendor-08/28/2025 |  | Waived-Audited LTV of 85% exceeds Guideline LTV of 75% Client waived with compensating factors. EXCEPTION REQUIRED FOR 85% LTV. MAXIMUM LTV ALLOWED IS 75% FOR >$2M LOAN AMOUNT - Due Diligence Vendor-08/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 718 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Residual Income Greater Than Minimum Guideline Requirement - Borrower residual income of $28,993.40 exceeds guidelines minimum residual income of $2500 | 1. Credit Score is 717, minimum required is 660<br> 2. Payment shock is 153.320%, max allowed is 300%<br> 3. High Residual income |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846691 | xxxxxx | -- B A | Closed | xxxxxx | 2025-08-27 23:32 | 2025-09-09 22:39 | Waived | 2 - Non-Material B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Client waived with compensating factors. EXCEPTION FOR BORROWER'S ELIGIBILITY. xxxxxx IS NPRA. PER GUIDELINE, NON-PERMANENT RESIDENT ALIEN IS NOT ELIGIBLE. - Due Diligence Vendor-08/28/2025 |  | Waived-Client waived with compensating factors. EXCEPTION FOR BORROWER'S ELIGIBILITY. xxxxxx IS NPRA. PER GUIDELINE, NON-PERMANENT RESIDENT ALIEN IS NOT ELIGIBLE. - Due Diligence Vendor-08/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 718 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Residual Income Greater Than Minimum Guideline Requirement - Borrower residual income of $28,993.40 exceeds guidelines minimum residual income of $2500 | 1. Credit Score is 717, minimum required is 660<br> 2. Payment shock is 153.320%, max allowed is 300%<br> 3. High Residual income |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |

---

## Exhibit 99.11

**EXHIBIT 99.11**

**CANOPY RATING AGENCY GRADES**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 828820 | xxxxxx |  | xxxxxx A |
| 828822 | xxxxxx |  | xxxxxx D A |
| 828823 | xxxxxx |  | xxxxxx A C |
| 828829 | xxxxxx |  | xxxxxx A |
| 828831 | xxxxxx |  | xxxxxx A |
| 833069 | xxxxxx |  | xxxxxx A |
| 833700 | xxxxxx |  | xxxxxx D C A |
| 833843 | xxxxxx |  | xxxxxx D A B |
| 835202 | xxxxxx |  | xxxxxx A NA C B |
| 835702 | xxxxxx |  | xxxxxx A |
| 836797 | xxxxxx |  | xxxxxx A |
| 837369 | xxxxxx |  | xxxxxx B A |
| 837656 | xxxxxx |  | xxxxxx A |
| 838171 | xxxxxx |  | xxxxxx B A |
| 838510 | xxxxxx |  | xxxxxx B D A |
| 838551 | xxxxxx |  | xxxxxx A C |
| 838577 | xxxxxx |  | xxxxxx D A |
| 838582 | xxxxxx |  | xxxxxx D A |
| 838775 | xxxxxx |  | xxxxxx A D |
| 838846 | xxxxxx |  | xxxxxx B A |
| 839386 | xxxxxx |  | xxxxxx B D A |
| 839486 | xxxxxx |  | xxxxxx A |
| 839487 | xxxxxx |  | xxxxxx A |
| 839907 | xxxxxx |  | xxxxxx A |
| 839924 | xxxxxx |  | xxxxxx A |
| 839925 | xxxxxx |  | xxxxxx A |
| 839926 | xxxxxx |  | xxxxxx A |
| 839960 | xxxxxx |  | xxxxxx A |
| 840024 | xxxxxx |  | xxxxxx A D |
| 840058 | xxxxxx |  | xxxxxx A C |
| 840202 | xxxxxx |  | xxxxxx B A |
| 840206 | xxxxxx |  | xxxxxx B A |
| 840275 | xxxxxx |  | xxxxxx B A |
| 840286 | xxxxxx |  | xxxxxx D A |
| 840290 | xxxxxx |  | xxxxxx C D A B |
| 840296 | xxxxxx |  | xxxxxx A |
| 840329 | xxxxxx |  | xxxxxx A |
| 840343 | xxxxxx |  | xxxxxx D A |
| 840345 | xxxxxx |  | xxxxxx A |
| 840347 | xxxxxx |  | xxxxxx A |
| 840371 | xxxxxx |  | xxxxxx C A B |
| 840395 | xxxxxx |  | xxxxxx A |
| 840407 | xxxxxx |  | xxxxxx A D |
| 840429 | xxxxxx |  | xxxxxx A |
| 840432 | xxxxxx |  | xxxxxx A NA |
| 840433 | xxxxxx |  | xxxxxx B C A |
| 840438 | xxxxxx |  | xxxxxx A |
| 840577 | xxxxxx |  | xxxxxx D NA |
| 840598 | xxxxxx |  | xxxxxx A |
| 840638 | xxxxxx |  | xxxxxx A |
| 840684 | xxxxxx |  | xxxxxx A |
| 840718 | xxxxxx |  | xxxxxx D A |
| 840721 | xxxxxx |  | xxxxxx A |
| 840773 | xxxxxx |  | xxxxxx A |
| 840802 | xxxxxx |  | xxxxxx C A |
| 840818 | xxxxxx |  | xxxxxx A |
| 840824 | xxxxxx |  | xxxxxx A C |
| 840831 | xxxxxx |  | xxxxxx A |
| 840851 | xxxxxx |  | xxxxxx A |
| 840924 | xxxxxx |  | xxxxxx A D |
| 840933 | xxxxxx |  | xxxxxx A D |
| 840939 | xxxxxx |  | xxxxxx D A |
| 840950 | xxxxxx |  | xxxxxx A |
| 840954 | xxxxxx |  | xxxxxx A |
| 840964 | xxxxxx |  | xxxxxx A |
| 840966 | xxxxxx |  | xxxxxx D A |
| 840970 | xxxxxx |  | xxxxxx A D |
| 840985 | xxxxxx |  | xxxxxx D A |
| 841022 | xxxxxx |  | xxxxxx A |
| 841038 | xxxxxx |  | xxxxxx A |
| 841042 | xxxxxx |  | xxxxxx C A B |
| 841043 | xxxxxx |  | xxxxxx A |
| 841044 | xxxxxx |  | xxxxxx B A |
| 841045 | xxxxxx |  | xxxxxx A |
| 841047 | xxxxxx |  | xxxxxx D A |
| 841055 | xxxxxx |  | xxxxxx B A |
| 841074 | xxxxxx |  | xxxxxx A |
| 841077 | xxxxxx |  | xxxxxx A D |
| 841105 | xxxxxx |  | xxxxxx A D |
| 841114 | xxxxxx |  | xxxxxx A |
| 841124 | xxxxxx |  | xxxxxx A |
| 841140 | xxxxxx |  | xxxxxx B A |
| 841142 | xxxxxx |  | xxxxxx D C A B |
| 841174 | xxxxxx |  | xxxxxx B A |
| 841180 | xxxxxx |  | xxxxxx C A B |
| 841185 | xxxxxx |  | xxxxxx D A |
| 841219 | xxxxxx |  | xxxxxx A |
| 841242 | xxxxxx |  | xxxxxx A |
| 841255 | xxxxxx |  | xxxxxx D A |
| 841262 | xxxxxx |  | xxxxxx A |
| 841269 | xxxxxx |  | xxxxxx B A |
| 841270 | xxxxxx |  | xxxxxx C A |
| 841309 | xxxxxx |  | xxxxxx A |
| 841322 | xxxxxx |  | xxxxxx A |
| 841345 | xxxxxx |  | xxxxxx A |
| 841348 | xxxxxx |  | xxxxxx D A |
| 841355 | xxxxxx |  | xxxxxx A |
| 841374 | xxxxxx |  | xxxxxx B A |
| 841545 | xxxxxx |  | xxxxxx C A B |
| 841563 | xxxxxx |  | xxxxxx A |
| 841625 | xxxxxx |  | xxxxxx A |
| 841628 | xxxxxx |  | xxxxxx A |
| 841633 | xxxxxx |  | xxxxxx A D |
| 841667 | xxxxxx |  | xxxxxx A NA D |
| 841675 | xxxxxx |  | xxxxxx A |
| 841687 | xxxxxx |  | xxxxxx D A C |
| 841688 | xxxxxx |  | xxxxxx A |
| 841727 | xxxxxx |  | xxxxxx A |
| 841731 | xxxxxx |  | xxxxxx A |
| 841732 | xxxxxx |  | xxxxxx B A |
| 841745 | xxxxxx |  | xxxxxx A NA |
| 841751 | xxxxxx |  | xxxxxx A D |
| 841763 | xxxxxx |  | xxxxxx D NA B |
| 841794 | xxxxxx |  | xxxxxx A |
| 841836 | xxxxxx |  | xxxxxx B A |
| 841839 | xxxxxx |  | xxxxxx B A |
| 841840 | xxxxxx |  | xxxxxx B A |
| 841841 | xxxxxx |  | xxxxxx B A |
| 841844 | xxxxxx |  | xxxxxx A |
| 841846 | xxxxxx |  | xxxxxx B A |
| 841847 | xxxxxx |  | xxxxxx C A B |
| 841850 | xxxxxx |  | xxxxxx D A B |
| 841851 | xxxxxx |  | xxxxxx B A |
| 841852 | xxxxxx |  | xxxxxx B D A |
| 841926 | xxxxxx |  | xxxxxx A |
| 841935 | xxxxxx |  | xxxxxx A |
| 841953 | xxxxxx |  | xxxxxx A |
| 841958 | xxxxxx |  | xxxxxx A |
| 842027 | xxxxxx |  | xxxxxx A |
| 842111 | xxxxxx |  | xxxxxx A |
| 842367 | xxxxxx |  | xxxxxx A |
| 842393 | xxxxxx |  | xxxxxx A D |
| 842431 | xxxxxx |  | xxxxxx C A |
| 842461 | xxxxxx |  | xxxxxx A |
| 842534 | xxxxxx |  | xxxxxx D A |
| 842561 | xxxxxx |  | xxxxxx D A |
| 842572 | xxxxxx |  | xxxxxx A D B |
| 842582 | xxxxxx |  | xxxxxx A NA |
| 842586 | xxxxxx |  | xxxxxx A |
| 842624 | xxxxxx |  | xxxxxx A |
| 842644 | xxxxxx |  | xxxxxx D A |
| 842649 | xxxxxx |  | xxxxxx A |
| 842664 | xxxxxx |  | xxxxxx A |
| 842694 | xxxxxx |  | xxxxxx D A |
| 842726 | xxxxxx |  | xxxxxx D A |
| 842730 | xxxxxx |  | xxxxxx A |
| 842758 | xxxxxx |  | xxxxxx D A |
| 842813 | xxxxxx |  | xxxxxx A |
| 842816 | xxxxxx |  | xxxxxx D A |
| 842913 | xxxxxx |  | xxxxxx C A |
| 842927 | xxxxxx |  | xxxxxx A |
| 842980 | xxxxxx |  | xxxxxx B NA |
| 843015 | xxxxxx |  | xxxxxx A |
| 843150 | xxxxxx |  | xxxxxx A NA C |
| 843481 | xxxxxx |  | xxxxxx B C A |
| 843482 | xxxxxx |  | xxxxxx A |
| 843483 | xxxxxx |  | xxxxxx B A |
| 843484 | xxxxxx |  | xxxxxx C A B |
| 843485 | xxxxxx |  | xxxxxx C A B |
| 843486 | xxxxxx |  | xxxxxx B A |
| 843494 | xxxxxx |  | xxxxxx B A D |
| 843496 | xxxxxx |  | xxxxxx A |
| 843498 | xxxxxx |  | xxxxxx A |
| 843501 | xxxxxx |  | xxxxxx A |
| 843517 | xxxxxx |  | xxxxxx D A B |
| 843531 | xxxxxx |  | xxxxxx C A |
| 843534 | xxxxxx |  | xxxxxx D A |
| 843655 | xxxxxx |  | xxxxxx C A B |
| 843731 | xxxxxx |  | xxxxxx B A |
| 843789 | xxxxxx |  | xxxxxx B A |
| 843790 | xxxxxx |  | xxxxxx A |
| 843826 | xxxxxx |  | xxxxxx D A |
| 843843 | xxxxxx |  | xxxxxx A C |
| 843877 | xxxxxx |  | xxxxxx D A |
| 843882 | xxxxxx |  | xxxxxx D A |
| 843892 | xxxxxx |  | xxxxxx A |
| 843901 | xxxxxx |  | xxxxxx A |
| 843908 | xxxxxx |  | xxxxxx A |
| 843932 | xxxxxx |  | xxxxxx A |
| 844017 | xxxxxx |  | xxxxxx C A B |
| 844137 | xxxxxx |  | xxxxxx B A |
| 844138 | xxxxxx |  | xxxxxx C A |
| 844140 | xxxxxx |  | xxxxxx B A |
| 844141 | xxxxxx |  | xxxxxx B A |
| 844142 | xxxxxx |  | xxxxxx B C A |
| 844143 | xxxxxx |  | xxxxxx B A |
| 844144 | xxxxxx |  | xxxxxx B C A |
| 844145 | xxxxxx |  | xxxxxx B D A |
| 844146 | xxxxxx |  | xxxxxx B A |
| 844147 | xxxxxx |  | xxxxxx B A |
| 844148 | xxxxxx |  | xxxxxx B A |
| 844154 | xxxxxx |  | xxxxxx B A |
| 844159 | xxxxxx |  | xxxxxx A |
| 844162 | xxxxxx |  | xxxxxx B A |
| 844190 | xxxxxx |  | xxxxxx D A |
| 844436 | xxxxxx |  | xxxxxx D C A |
| 844825 | xxxxxx |  | xxxxxx A |
| 844948 | xxxxxx |  | xxxxxx B A |
| 844951 | xxxxxx |  | xxxxxx B A |
| 845537 | xxxxxx |  | xxxxxx A |
| 845551 | xxxxxx |  | xxxxxx A |
| 845865 | xxxxxx |  | xxxxxx A |
| 845880 | xxxxxx |  | xxxxxx A |
| 845889 | xxxxxx |  | xxxxxx A |
| 845890 | xxxxxx |  | xxxxxx A |
| 845891 | xxxxxx |  | xxxxxx D A |
| 845895 | xxxxxx |  | xxxxxx A |
| 845896 | xxxxxx |  | xxxxxx D A |
| 845898 | xxxxxx |  | xxxxxx B C A |
| 845900 | xxxxxx |  | xxxxxx D A |
| 845902 | xxxxxx |  | xxxxxx D A |
| 845903 | xxxxxx |  | xxxxxx D A C B |
| 845905 | xxxxxx |  | xxxxxx D C A |
| 845906 | xxxxxx |  | xxxxxx D A |
| 845907 | xxxxxx |  | xxxxxx D A |
| 845909 | xxxxxx |  | xxxxxx A |
| 845914 | xxxxxx |  | xxxxxx A D |
| 845915 | xxxxxx |  | xxxxxx D A |
| 845916 | xxxxxx |  | xxxxxx C A |
| 845917 | xxxxxx |  | xxxxxx A |
| 845920 | xxxxxx |  | xxxxxx D C A B |
| 845925 | xxxxxx |  | xxxxxx A |
| 845931 | xxxxxx |  | xxxxxx D A |
| 845933 | xxxxxx |  | xxxxxx A |
| 845934 | xxxxxx |  | xxxxxx A D |
| 845937 | xxxxxx |  | xxxxxx C A B |
| 845942 | xxxxxx |  | xxxxxx A |
| 845943 | xxxxxx |  | xxxxxx B A |
| 845944 | xxxxxx |  | xxxxxx A |
| 845945 | xxxxxx |  | xxxxxx A D |
| 846116 | xxxxxx |  | xxxxxx A NA |
| 846118 | xxxxxx |  | xxxxxx C NA |
| 846420 | xxxxxx |  | xxxxxx C A |
| 846691 | xxxxxx |  | xxxxxx B A |

---

## Exhibit 99.12

**EXHIBIT 99.12**

**CANOPY DATA COMPARE**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 833700 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | true | false |  |
| 833843 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 833843 | xxxxxx |  | xxxxxx | Property Type | Two to Four Unit | Single Family Detached |  |
| 835202 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | false | true |  |
| 835202 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 835202 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 835202 | xxxxxx |  | xxxxxx | Qualifying CLTV | 54.63 | 54.57116 |  |
| 835202 | xxxxxx |  | xxxxxx | Qualifying Loan Amount | xxxxxx | xxxxxx |  |
| 835202 | xxxxxx |  | xxxxxx | Qualifying LTV | 16.71 | 13.94905 |  |
| 835202 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 42.71 | 48.7 |  |
| 835202 | xxxxxx |  | xxxxxx | Verified Doc Type | 12 Month Bank Statement | Full |  |
| 837369 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 837369 | xxxxxx |  | xxxxxx | Property City | xxxxxx | xxxxxx |  |
| 838510 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 838551 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 838582 | xxxxxx |  | xxxxxx | Refinance Type | No Cash Out - Borrower Initiated | CashOutOther |  |
| 838775 | xxxxxx |  | xxxxxx | Property Type | 5-10 Unit Multi-Family | Single Family Detached |  |
| 838846 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 839386 | xxxxxx |  | xxxxxx | Property Type | 5-10 Unit Multi-Family | Two to Four Unit |  |
| 839907 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 840024 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 840058 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 28.17 | 4.96 |  |
| 840202 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 840206 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 840206 | xxxxxx |  | xxxxxx | Property Type | Two to Four Unit | Single Family Detached |  |
| 840275 | xxxxxx |  | xxxxxx | Margin | 5 | 2 |  |
| 840407 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 840407 | xxxxxx |  | xxxxxx | Qualifying FICO | 788 | 760 |  |
| 840407 | xxxxxx |  | xxxxxx | Qualifying Loan Amount | xxxxxx | xxxxxx |  |
| 840407 | xxxxxx |  | xxxxxx | Qualifying LTV | 70.0 | 65 |  |
| 840432 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | Yes | Y |  |
| 840598 | xxxxxx |  | xxxxxx | Qualifying LTV | 63.41 | 63.42 |  |
| 840718 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 840718 | xxxxxx |  | xxxxxx | Qualifying LTV | 48.65 | 30 |  |
| 840718 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 22.22 | 15.9 |  |
| 840721 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 53.64 | 36 |  |
| 840818 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 840818 | xxxxxx |  | xxxxxx | Margin | 6.5 | 2 |  |
| 840818 | xxxxxx |  | xxxxxx | Property Type | Townhouse | Single Family Detached |  |
| 840851 | xxxxxx |  | xxxxxx | Borrower 1 First Name | xxxxxx | xxxxxx |  |
| 840851 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 840851 | xxxxxx |  | xxxxxx | Property City | xxxxxx | xxxxxx |  |
| 840924 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 840964 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 840966 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 840970 | xxxxxx |  | xxxxxx | Refinance Type | No Cash Out - Borrower Initiated | CashOutDebtConsolidation |  |
| 841038 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 841038 | xxxxxx |  | xxxxxx | Margin | 6.5 | 2 |  |
| 841042 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 841042 | xxxxxx |  | xxxxxx | Qualifying FICO | 695 | 687 |  |
| 841043 | xxxxxx |  | xxxxxx | Margin | 6.5 | 2 |  |
| 841044 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 841044 | xxxxxx |  | xxxxxx | Qualifying Loan Amount | xxxxxx | xxxxxx |  |
| 841044 | xxxxxx |  | xxxxxx | Qualifying LTV | 40.42 | 42.85714 |  |
| 841045 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 841045 | xxxxxx |  | xxxxxx | Margin | 6.5 | 2 |  |
| 841124 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 841140 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 841142 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | true | false |  |
| 841185 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 841242 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 841255 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 841345 | xxxxxx |  | xxxxxx | Qualifying HLTV | 62.67 | 0 |  |
| 841374 | xxxxxx |  | xxxxxx | Borrower 1 SSN | xxxxxx | xxxxxx |  |
| 841374 | xxxxxx |  | xxxxxx | Margin | 6.5 | 2 |  |
| 841374 | xxxxxx |  | xxxxxx | Qualifying FICO | 757 | 753 |  |
| 841563 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | true | false |  |
| 841633 | xxxxxx |  | xxxxxx | Prepayment Penalty Total Term | 60 | 36 |  |
| 841633 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 841633 | xxxxxx |  | xxxxxx | Sales Price | xxxxxx | xxxxxx |  |
| 841667 | xxxxxx |  | xxxxxx | Qualifying CLTV | 79.9 | 80.00 |  |
| 841688 | xxxxxx |  | xxxxxx | Property Type | PUD | Single Family Attached |  |
| 841745 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | Yes | Y |  |
| 841751 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | false | true |  |
| 841751 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 841751 | xxxxxx |  | xxxxxx | Qualifying Loan Amount | xxxxxx | xxxxxx |  |
| 841751 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 47.52 | 43.12 |  |
| 841836 | xxxxxx |  | xxxxxx | Reviewed Total Housing Expense PITIA | 1948.35 | $1981.68 |  |
| 841839 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 841846 | xxxxxx |  | xxxxxx | Total Monthly Property Insurance Amount | xxxxxx | xxxxxx |  |
| 841847 | xxxxxx |  | xxxxxx | Property Type | Two to Four Unit | Single Family Detached |  |
| 841851 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 841851 | xxxxxx |  | xxxxxx | Reviewed Total Housing Expense PITIA | 6382.72 | $6396.30 |  |
| 841851 | xxxxxx |  | xxxxxx | Total Monthly Property Insurance Amount | xxxxxx | xxxxxx |  |
| 841852 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 842111 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 842111 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 49.1 | 45.559 |  |
| 842431 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | true | false |  |
| 842431 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 842694 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | true | false |  |
| 842816 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 842927 | xxxxxx |  | xxxxxx | Margin | 6.5 | 2 |  |
| 842980 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | false | true |  |
| 842980 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 842980 | xxxxxx |  | xxxxxx | Qualifying CLTV | 89.07 | 89.37064 |  |
| 843015 | xxxxxx |  | xxxxxx | Borrower 1 First Name | xxxxxx | xxxxxx |  |
| 843015 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 47.14 | 44.01 |  |
| 843150 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | Yes | Y |  |
| 843150 | xxxxxx |  | xxxxxx | Qualifying CLTV | 73.14 | 73.30 |  |
| 843482 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 26.79 | 35.865 |  |
| 843483 | xxxxxx |  | xxxxxx | Primary Mortgage or Rent Times 30 | 2 | 0 |  |
| 843483 | xxxxxx |  | xxxxxx | Total Monthly Property Insurance Amount | xxxxxx | xxxxxx |  |
| 843484 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 42.9 | 46.748 |  |
| 843517 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | true | false |  |
| 843655 | xxxxxx |  | xxxxxx | Property Type | Single Family Detached | Single Family Attached |  |
| 843826 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 843826 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 34.82 | 39.3 |  |
| 843901 | xxxxxx |  | xxxxxx | Prepayment Penalty Total Term | 60 | 36 |  |
| 843901 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 843901 | xxxxxx |  | xxxxxx | Qualifying LTV | 69.1 | 70 |  |
| 843901 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 43.73 | 15 |  |
| 843908 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 843908 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 28.06 | 30.554 |  |
| 844137 | xxxxxx |  | xxxxxx | Total Monthly Property Insurance Amount | xxxxxx | xxxxxx |  |
| 844140 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 844141 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 844144 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 844144 | xxxxxx |  | xxxxxx | Total Monthly Property Insurance Amount | xxxxxx | xxxxxx |  |
| 844162 | xxxxxx |  | xxxxxx | Qualifying LTV | 58.79 | 58.795 |  |
| 844948 | xxxxxx |  | xxxxxx | Reviewed Total Housing Expense PITIA | 4349.42 | $4373.10 |  |
| 844951 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 845551 | xxxxxx |  | xxxxxx | Borrower 1 First Name | xxxxxx | xxxxxx |  |
| 845551 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | true | false |  |
| 845551 | xxxxxx |  | xxxxxx | Borrower 1 Last Name | xxxxxx | xxxxxx |  |
| 845551 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 47.79 | 33.95 |  |
| 845865 | xxxxxx |  | xxxxxx | Verified Doc Type | 12 Month Bank Statement | Full |  |
| 845880 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 23.88 | 11.96 |  |
| 846116 | xxxxxx |  | xxxxxx | Qualifying CLTV | 79.33 | 79.28677 |  |
| 846118 | xxxxxx |  | xxxxxx | Qualifying CLTV | 69.8 | 70 |  |
| 846691 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 846691 | xxxxxx |  | xxxxxx | Qualifying FICO | 718 | 717 |  |

---

## Exhibit 99.13

**EXHIBIT 99.13**

**CANOPY ATR QM report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 828820 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 828822 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 828823 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 828829 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 828831 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 833069 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 833700 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 13308.66 | 9.656 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17845.44 | Yes | Employed |  | No |  | No |  |
| 833843 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 835202 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 6451.89 | 10.232 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5527.02 | Yes | Employed |  | No |  | No |  |
| 835702 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 836797 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 837369 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1845 | 7.403 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 61514.49 | Yes | Employed |  | No |  | No |  |
| 837656 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838171 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | Yes | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838510 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838551 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838577 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838582 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838775 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 838846 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839386 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839486 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839487 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839907 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 839924 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 839925 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 839926 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 839960 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840024 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840058 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 12116.25 | 8.273 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 40396.79 | N/A | Not Employed |  | No |  | No |  |
| 840202 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840206 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840275 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840286 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840290 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840296 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 12402.5 | 8.634 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13254.14 | Yes | Employed |  | No |  | No |  |
| 840329 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840343 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840345 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 840347 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840371 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840395 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 840407 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 840429 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840432 |  | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 4811.25 | 10.369 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 8367.04 | N/A | Employed |  | No |  | No |  |
| 840433 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | Yes | No | No | No | Yes | 26886.47 | 8.749 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 40250.15 | N/A | Employed |  | No |  | Yes | Present |
| 840438 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | No | No | No | No | No | No | No | No | No | 1695 | 9.276 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27032.44 | Yes | Employed |  | No |  | No |  |
| 840577 |  | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 10290 | 8.511 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 16662.55 | N/A | Employed |  | No |  | No |  |
| 840598 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840638 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 840684 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840718 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | No | No | No | No | No | 37495 | 7.642 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 205431.95 | Yes | Employed |  | No |  | No |  |
| 840721 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 9996 | 8.251 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19945.94 | Yes | Employed | Employed | No | No | No |  |
| 840773 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 840802 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840818 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 840824 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840831 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840851 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 9445 | 7.77 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11742.26 | Yes | Employed |  | No |  | No |  |
| 840924 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840933 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840939 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840950 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840954 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 840964 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840966 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840970 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 840985 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841022 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841038 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 841042 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 28551.97 | 8.597 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14052.3 | Yes | Employed | Not Employed | No | No | No |  |
| 841043 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 841044 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841045 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 841047 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841055 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841074 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841077 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841105 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1299 | 8.181 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7938 | Yes | Employed |  | No |  | No |  |
| 841114 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 1299 | 8.791 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15513.72 | Yes | Employed |  | No |  | No |  |
| 841124 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 841140 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841142 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 9611.22 | 8.403 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15474.14 | Yes | Employed |  | No |  | No |  |
| 841174 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841180 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841185 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841219 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 841242 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 841255 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 3641.25 | 9.522 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8916.17 | Yes | Employed | Employed | No | No | No |  |
| 841262 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841269 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841270 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 9970 | 7.708 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16787.3 | Yes | Employed | Employed | No | No | No |  |
| 841309 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841322 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841345 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 841348 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841355 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841374 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 841545 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 14183.75 | 7.67 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6413.75 | Yes | Employed | Employed | No | No | No |  |
| 841563 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 4353 | 8.55 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25174.37 | Yes | Employed |  | No |  | No |  |
| 841625 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 841628 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841633 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841667 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 10775.89 | 10.916 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 46962.6 | N/A | Employed |  | No |  | No |  |
| 841675 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841687 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841688 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841727 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841731 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841732 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841745 |  | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 4505.5 | 10.357 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 6615.98 | N/A | Employed |  | No |  | No |  |
| 841751 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 8765 | 8.634 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5929.56 | Yes | Employed |  | No |  | No |  |
| 841763 |  | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender 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 | 11469.31 | N/A | Employed | Employed | No | No | Yes | Present |
| 841794 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841836 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 841839 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 841840 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 841841 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 841844 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 841846 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841847 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 841850 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841851 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841852 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841926 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841935 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841953 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841958 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 842027 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7788.92 | 7.672 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 171109.7 | Yes | Employed |  | No |  | No |  |
| 842111 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1890 | 7.387 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31081.35 | Yes | Employed | Not Employed | No | No | No |  |
| 842367 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 842393 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 39657.48 | N/A | Employed |  | No |  | Yes | Present |
| 842431 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 59060.21 | 8.335 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20853.53 | Yes | Employed |  | No |  | No |  |
| 842461 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 842534 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 17490 | 7.757 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26700.71 | Yes | Employed |  | No |  | No |  |
| 842561 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 842572 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 2918.46 | 8.14 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10671.22 | Yes | Retired |  | No |  | No |  |
| 842582 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2344.9 | 9.528 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 5440.3 | N/A | Employed |  | No |  | No |  |
| 842586 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 3987.5 | 7.806 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17338.85 | N/A | Employed |  | No |  | No |  |
| 842624 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 842644 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 7540 | 8.616 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 33093.29 | N/A | Employed |  | No |  | No |  |
| 842649 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 842664 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 842694 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 7495 | 9.366 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12750.35 | Yes | Employed |  | No |  | No |  |
| 842726 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 6340 | 7.547 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6411.69 | Yes | Employed | Not Employed | No | No | No |  |
| 842730 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 842758 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 842813 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1978.25 | 8.325 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 148901.95 | Yes | Employed |  | No |  | No |  |
| 842816 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5616 | 8.427 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33167.39 | Yes | Employed |  | No |  | No |  |
| 842913 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 4242 | 8.12 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3847.5 | Yes | Employed |  | No |  | No |  |
| 842927 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 842980 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 5265.39 | 12.578 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 7948.23 | N/A | Employed | Employed | No | No | No |  |
| 843015 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 20195 | 8.431 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11116.52 | Yes | Employed | Employed | No | No | No |  |
| 843150 |  | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2028 | 9.668 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 5245.48 | N/A | Employed |  | No |  | No |  |
| 843481 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 7630.63 | 8.275 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17171.6 | N/A | Employed |  | No |  | No |  |
| 843482 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 11422.5 | 8.26 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9040.78 | N/A | Employed |  | No |  | No |  |
| 843483 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 11930 | 9.316 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10500.65 | N/A | Employed |  | No |  | No |  |
| 843484 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 9170 | 10.171 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10597.87 | N/A | Employed | Not Employed | No | No | No |  |
| 843485 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 15050 | 10.21 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19993.58 | N/A | Employed |  | No |  | No |  |
| 843486 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 14705 | 9.267 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7924.55 | N/A | Employed | Employed | No | No | No |  |
| 843494 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 843496 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 843498 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 843501 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 843517 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | 8407 | 7.937 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2823.58 | Yes | Employed |  | No |  | No |  |
| 843531 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 12345 | 9.27 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5410.17 | N/A | Employed |  | No |  | No |  |
| 843534 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 10506.15 | 8.548 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4275.11 | Yes | Employed |  | No |  | No |  |
| 843655 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 6702.4 | 8.905 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23373.28 | Yes | Employed |  | No |  | No |  |
| 843731 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1695 | 7.268 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 61567.21 | Yes | Employed |  | No |  | No |  |
| 843789 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 843790 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 843826 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 23642.45 | 7.779 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10597.42 | Yes | Employed | Employed | No | No | No |  |
| 843843 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 9527.5 | 7.125 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2723 | Yes | Employed | Not Employed | No | No | No |  |
| 843877 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 19231.6 | 8.625 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18746.51 | Yes | Employed | Employed | No | No | No |  |
| 843882 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 8583.75 | 8.358 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6885.31 | Yes | Employed |  | No |  | No |  |
| 843892 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 8690 | 8.185 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14772.69 | Yes | Employed |  | No |  | No |  |
| 843901 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 9402.07 | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 843908 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 23788.8 | 8.368 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31055.49 | Yes | Employed |  | No |  | No |  |
| 843932 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 844017 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 9425 | 9.382 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13262.96 | Yes | Employed |  | No |  | No |  |
| 844137 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 11562.5 | 7.652 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14510.71 | N/A | Employed |  | No |  | No |  |
| 844138 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 13040 | 7.636 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6714.74 | Yes | Employed | Employed | No | No | No |  |
| 844140 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 13107.5 | 8.087 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9962.97 | Yes | Employed |  | No |  | No |  |
| 844141 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 14805 | 7.473 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15495.64 | N/A | Not Employed | Employed | No | No | No |  |
| 844142 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 13740 | 8.934 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5969.88 | Yes | Employed |  | No |  | No |  |
| 844143 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 11181.85 | 9.044 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5233.74 | Yes | Employed |  | No |  | No |  |
| 844144 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | Yes | No | No | No | No | Yes | 10902.5 | 8.807 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9732.22 | N/A | Employed |  | No |  | No |  |
| 844145 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 23048 | 7.74 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5631.4 | N/A | Employed | Employed | No | No | No |  |
| 844146 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 11510 | 10.778 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9053.85 | N/A | Employed |  | No |  | No |  |
| 844147 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 11440 | 8.906 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3994.46 | Yes | Employed | Employed | No | No | No |  |
| 844148 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 12505.63 | 10.922 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7418.42 | N/A | Employed | Employed | No | No | No |  |
| 844154 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844159 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844162 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 6289.03 | Yes | Employed |  | No |  | Yes | Present |
| 844190 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 26446.57 | N/A | Employed |  | No |  | Yes | Present |
| 844436 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 36595 | 7.969 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51970.97 | Yes | Employed |  | No |  | No |  |
| 844825 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 542379.09 | N/A | Employed | Employed | No | No | Yes | Present |
| 844948 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 15621.42 | 9.124 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 81732.26 | N/A | Employed |  | No |  | No |  |
| 844951 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 72578.02 | N/A | Employed | Employed | No | No | Yes | Present |
| 845537 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2580 | 7.842 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1944.53 | Yes | Employed |  | No |  | No |  |
| 845551 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 12010.96 | 7.123 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6649.87 | Yes | Employed | Employed | No | No | No |  |
| 845865 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 541316.27 | N/A | Employed |  | No |  | Yes | Present |
| 845880 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 17115 | 7.303 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15574.57 | Yes | Employed |  | No |  | No |  |
| 845889 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 9770 | 8.002 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4290.39 | N/A | Employed | Retired | No | No | No |  |
| 845890 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6894.28 | 7.169 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 72286.24 | Yes | Employed |  | No |  | No |  |
| 845891 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 16265 | 7.358 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51488.24 | Yes | Employed |  | No |  | No |  |
| 845895 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 62857.48 | N/A | Employed |  | No |  | Yes | Present |
| 845896 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 22673.39 | N/A | Employed |  | No |  | Yes | Present |
| 845898 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 18611.5 | 8.228 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6794.75 | Yes | Employed |  | No |  | No |  |
| 845900 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8148.6 | 7.03 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14701.05 | Yes | Employed |  | No |  | No |  |
| 845902 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 6043 | 9.235 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6090.3 | N/A | Employed |  | No |  | No |  |
| 845903 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 14968.81 | 8.829 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15830.82 | N/A | Employed |  | No |  | No |  |
| 845905 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 21585.4 | 7.711 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 30633.03 | N/A | Employed |  | No |  | No |  |
| 845906 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 30686.49 | N/A | Employed |  | No |  | Yes | Present |
| 845907 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 33261.93 | N/A | Employed |  | No |  | Yes | Present |
| 845909 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 14295 | 7.847 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23991.25 | Yes | Employed |  | No |  | No |  |
| 845914 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 9055 | 7.227 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14724.89 | N/A | Employed |  | No |  | No |  |
| 845915 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19348.22 | N/A | Employed | Employed | No | No | Yes | Present |
| 845916 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 8603.36 | 7.216 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5635.12 | Yes | Employed |  | No |  | No |  |
| 845917 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21904.87 | N/A | Employed | Employed | No | No | Yes | Present |
| 845920 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7360 | 7.233 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9111.91 | N/A | Employed |  | No |  | No |  |
| 845925 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 20028.19 | N/A | Employed | Employed | No | No | Yes | Present |
| 845931 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 18715 | 7.407 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9483.49 | Yes | Employed |  | No |  | No |  |
| 845933 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 10129.85 | 7.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 57867.62 | Yes | Employed |  | No |  | No |  |
| 845934 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2545.01 | 6.887 | Yes | Yes | N/A | N/A | Yes | Yes | N/A | Yes | Yes | Yes | 7066.54 | Yes | Employed |  | No |  | No |  |
| 845937 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8135 | 8.037 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11647.54 | Yes | Employed |  | No |  | No |  |
| 845942 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5470 | 7.01 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11334.4 | Yes | Employed |  | No |  | No |  |
| 845943 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 5339 | 7.14 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3948.97 | Yes | Employed | Not Employed | No | No | No |  |
| 845944 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 11785 | 8.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 34178.34 | N/A | Employed |  | No |  | No |  |
| 845945 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 7821.86 | 8.259 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18669.95 | Yes | Employed |  | No |  | No |  |
| 846116 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 1875 | 10.752 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 6543.97 | N/A | Employed |  | No |  | No |  |
| 846118 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 18599.23 | 10.881 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 9472.39 | N/A | Employed |  | No |  | No |  |
| 846420 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 9257.5 | 8.882 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7676.01 | N/A | Employed | Not Employed | No | No | No |  |
| 846691 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 25355 | 10.773 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28993.4 | Yes | Not Employed | Employed | No | No | No |  |

---

## Exhibit 99.14

**EXHIBIT 99.14**

**CANOPY valuation REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 828820 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | 61.9 | 61.9 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2025 |
| 828822 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 58.87 | 58.87 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-30-2025 |
| 828823 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 58.87 | 58.87 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-28-2025 |
| 828829 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | 61.9 | 61.9 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2025 |
| 828831 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-21-2025 | 1004 URAR | xxxxxx | 62.9 | 62.9 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-27-2025 |
| 833069 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-18-2025 |
| 833700 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-09-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-14-2025 | Eligible | 1 | 07-14-2025 |
| 833843 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-09-2025 | 1025 Small Residential Income Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 02-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835202 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | 16.71 | 54.63 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 03-31-2025 |
| 835702 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-02-2025 | 1025 Small Residential Income Report | xxxxxx | 25.24 | 25.24 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836797 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-28-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 05-30-2025 |
| 837369 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-13-2025 |
| 837656 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 06-20-2025 |
| 838171 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-10-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838510 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-27-2025 | 1004 URAR | xxxxxx | 53.33 | 53.33 | xxxxxx | xxxxxx | -.0026 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0026 | 94.0 | 0.06 | xxxxxx | xxxxxx | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838551 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-14-2025 |
| 838577 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-19-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0667 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0667 | xxxxxx | Moderate Risk | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2025 |
| 838582 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | 58.53 | 58.53 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838775 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-01-2025 | Other | xxxxxx | 30.3 | 30.3 | xxxxxx | xxxxxx | .0152 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0152 | xxxxxx | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838846 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-18-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-30-2025 | Eligible | 2.5 | 05-30-2025 |
| 839386 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-06-2025 | Other | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 06-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839486 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-13-2025 | 1004 URAR | xxxxxx | 69.73 | 69.73 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839487 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-08-2025 | Eligible | 1 | 06-08-2025 |
| 839907 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839924 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-26-2025 | 1004 URAR | xxxxxx | 50.0 | 50.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-29-2025 | Eligible | 1.3 | 05-29-2025 |
| 839925 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | 66.67 | 66.67 | xxxxxx | xxxxxx | -.0769 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0769 | xxxxxx | Moderate Risk | 07-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 07-02-2025 |
| 839926 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-04-2025 | Not Eligible | 2.2 | 06-04-2025 |
| 839960 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-19-2025 | 1073 Individual Condo Report | xxxxxx | 68.91 | 68.91 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-03-2025 | Eligible |  |  |
| 840024 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-30-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 06-03-2025 |
| 840058 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-21-2025 | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 05-27-2025 |
| 840202 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-10-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840206 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-11-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840275 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-01-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-02-2025 | Eligible |  |  |
| 840286 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-06-2025 | Eligible | 1 | 06-06-2025 |
| 840290 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-13-2025 | Eligible | 1 | 05-13-2025 |
| 840296 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-16-2025 | 1004 URAR | xxxxxx | 79.79 | 79.79 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-07-2025 |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-07-2025 | Eligible | 1.2 | 07-07-2025 |
| 840329 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-30-2025 | Eligible | 1.4 | 05-30-2025 |
| 840343 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-01-2025 | Eligible | 1.2 | 07-01-2025 |
| 840345 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-04-2025 | 1073 Individual Condo Report | xxxxxx | 69.7 | 69.7 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 06-06-2025 |
| 840347 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-31-2025 | 1073 Individual Condo Report | xxxxxx | 55.85 | 55.85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 06-04-2025 |
| 840371 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-02-2025 |
| 840395 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-13-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0526 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0526 | xxxxxx | Moderate Risk | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840407 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-23-2025 | Eligible | 1.4 | 06-23-2025 |
| 840429 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-11-2025 | 1004 URAR | xxxxxx | 69.75 | 69.75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 04-17-2025 |
| 840432 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-19-2025 | 1004 URAR | xxxxxx | 19.75 | 74.57 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 07-15-2025 |
| 840433 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-14-2025 | 1025 Small Residential Income Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840438 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 06-16-2025 |
| 840577 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-29-2025 | 1004 URAR | xxxxxx | 41.67 | 74.04 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 05-30-2025 |
| 840598 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-04-2025 | 1025 Small Residential Income Report | xxxxxx | 63.41 | 63.41 | xxxxxx | xxxxxx | -.0854 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0854 | xxxxxx | Moderate Risk | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840638 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-22-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840684 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-10-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-12-2025 | Eligible | 1 | 06-12-2025 |
| 840718 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | 48.65 | 48.65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840721 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-14-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0312 | 06-22-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840773 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-12-2025 | Eligible | 1 | 06-12-2025 |
| 840802 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-08-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-10-2025 |
| 840818 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 61.0 | 61.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-13-2025 | Eligible | 2.4 | 06-13-2025 |
| 840824 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | 41.18 | 41.18 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 06-03-2025 |
| 840831 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 48.95 | 48.95 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-14-2025 |
| 840851 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-28-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-18-2025 | Eligible | 1 | 07-18-2025 |
| 840924 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-26-2025 | 1025 Small Residential Income Report | xxxxxx | 69.93 | 69.93 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840933 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 67.14 | 67.14 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 06-11-2025 |
| 840939 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-05-2025 | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840950 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-23-2025 |
| 840954 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 06-19-2025 |
| 840964 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | 44.44 | 44.44 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-18-2025 |
| 840966 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-17-2025 |
| 840970 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 17.33 | 17.33 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840985 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 62.09 | 62.09 | xxxxxx | xxxxxx | -.0523 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0523 | xxxxxx | Moderate Risk | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 06-09-2025 |
| 841022 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 68.06 | 68.06 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-18-2025 | Eligible | 1 | 06-18-2025 |
| 841038 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-12-2025 | Eligible |  |  |
| 841042 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 06-24-2025 |
| 841043 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-13-2025 | Eligible | 1.4 | 06-13-2025 |
| 841044 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-16-2025 | 1004 URAR | xxxxxx | 40.42 | 40.42 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-26-2025 | Eligible | 1.1 | 06-26-2025 |
| 841045 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-13-2025 | Eligible | 1.4 | 06-13-2025 |
| 841047 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-13-2025 | 1004 URAR | xxxxxx | 31.94 | 31.94 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-16-2025 | Eligible |  |  |
| 841055 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-16-2025 | 1004 URAR | xxxxxx | 47.62 | 47.62 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-20-2025 | Eligible | 1 | 06-20-2025 |
| 841074 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-17-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841077 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-13-2025 | 1004 URAR | xxxxxx | 30.84 | 30.84 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-18-2025 | Eligible | 1 | 06-18-2025 |
| 841105 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-24-2025 | 1004 URAR | xxxxxx | 58.82 | 58.82 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-29-2025 | Eligible | 1 | 06-29-2025 |
| 841114 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-30-2025 | Eligible | 1.4 | 06-30-2025 |
| 841124 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-25-2025 |
| 841140 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-21-2025 | 1073 Individual Condo Report | xxxxxx | 67.0 | 67.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-24-2025 |
| 841142 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | 78.0 | 78.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 06-17-2025 |
| 841174 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-04-2025 | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841180 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841185 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-31-2025 | 1004 URAR | xxxxxx | 59.02 | 59.02 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-03-2025 |
| 841219 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-07-2025 | 1004 URAR | xxxxxx | 74.07 | 74.07 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-10-2025 |
| 841242 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-13-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-18-2025 | Eligible |  |  |
| 841255 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0465 | 07-09-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841262 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-21-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841269 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-10-2025 | Eligible | 1 | 06-10-2025 |
| 841270 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-18-2025 | Eligible | 1.6 | 06-18-2025 |
| 841309 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-21-2025 | Eligible | 1 | 05-21-2025 |
| 841322 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | 66.51 | 66.51 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 06-24-2025 |
| 841345 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-16-2025 | 1004 URAR | xxxxxx | 62.67 | 62.67 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-09-2025 | Eligible |  |  |
| 841348 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-21-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-22-2025 | Eligible | 1 | 06-22-2025 |
| 841355 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-13-2025 | 1004 URAR | xxxxxx | 53.21 | 53.21 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-13-2025 | Eligible | 1 | 06-13-2025 |
| 841374 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-30-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-02-2025 | Eligible | 1 | 06-02-2025 |
| 841545 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-02-2025 | 1004 URAR | xxxxxx | 64.31 | 64.31 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-03-2025 | Eligible |  |  |
| 841563 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-27-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | .0287 | 07-15-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-01-2025 | Eligible | 1 | 07-01-2025 |
| 841625 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-22-2025 | 1073 Individual Condo Report | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 05-30-2025 |
| 841628 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 06-16-2025 |
| 841633 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-19-2025 | Eligible | 1.6 | 06-19-2025 |
| 841667 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | 18.68 | 79.9 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | 06-13-2025 |
| 841675 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-18-2025 | 1004 URAR | xxxxxx | 22.86 | 22.86 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-23-2025 |
| 841687 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 07-08-2025 |
| 841688 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-13-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-18-2025 | Eligible | 1 | 06-18-2025 |
| 841727 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-18-2025 | 1025 Small Residential Income Report | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 07-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841731 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 07-01-2025 |
| 841732 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-13-2025 | 1004 URAR | xxxxxx | 53.24 | 53.24 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 06-06-2025 |
| 841745 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-08-2025 | 1004 URAR | xxxxxx | 13.39 | 71.81 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-10-2025 |
| 841751 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 07-02-2025 |
| 841763 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-28-2025 | 1025 Small Residential Income Report | xxxxxx | 15.09 | 66.59 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Excellent | 06-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841794 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-20-2025 | 1073 Individual Condo Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-09-2025 | Not Eligible | 1.6 | 07-09-2025 |
| 841836 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-04-2025 | 1004 URAR | xxxxxx | 30.93 | 30.93 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 06-11-2025 |
| 841839 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-23-2025 | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0373 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0373 | xxxxxx | Moderate Risk | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 06-12-2025 |
| 841840 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-11-2025 |
| 841841 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 06-10-2025 |
| 841844 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841846 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-17-2025 | 1025 Small Residential Income Report | xxxxxx | 55.0 | 55.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841847 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-05-2025 | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-16-2025 |
| 841850 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-19-2025 | Eligible | 2.5 |  |
| 841851 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-06-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841852 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 06-04-2025 |
| 841926 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 06-30-2025 |
| 841935 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-17-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 05-22-2025 |
| 841953 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 07-14-2025 |
| 841958 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 07-02-2025 |
| 842027 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-27-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 07-03-2025 |
| 842111 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-11-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0400 | 07-24-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 07-28-2025 | Not Eligible |  |  |
| 842367 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-19-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-21-2025 | Eligible | 1.1 | 06-21-2025 |
| 842393 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-14-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-19-2025 |
| 842431 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | 89.99 | 89.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-14-2025 | Eligible | 1.4 | 07-14-2025 |
| 842461 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-14-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-02-2025 | Eligible |  |  |
| 842534 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 07-08-2025 |
| 842561 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-30-2025 |
| 842572 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-16-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-17-2025 | Eligible | 1 | 07-17-2025 |
| 842582 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-14-2025 | 1004 URAR | xxxxxx | 16.09 | 74.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-16-2025 | Eligible | 1 | 07-16-2025 |
| 842586 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | 53.46 | 53.46 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-09-2025 | Eligible | 1.3 | 07-09-2025 |
| 842624 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-07-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-09-2025 | Eligible | 1 | 07-09-2025 |
| 842644 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-27-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-01-2025 |
| 842649 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 06-23-2025 |
| 842664 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-24-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-02-2025 |
| 842694 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 06-26-2025 |
| 842726 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-15-2025 | 1004 URAR | xxxxxx | 52.66 | 52.66 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-30-2025 | Eligible | 1 | 06-30-2025 |
| 842730 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-09-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-17-2025 | Eligible | 1 | 07-17-2025 |
| 842758 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-06-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842813 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-17-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-21-2025 |
| 842816 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-02-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-08-2025 | Eligible | 1 | 07-08-2025 |
| 842913 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-19-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-23-2025 | Eligible | 1 | 06-23-2025 |
| 842927 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-08-2025 | 1004 URAR | xxxxxx | 74.98 | 74.98 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 07-11-2025 |
| 842980 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-07-2025 | 1004 URAR | xxxxxx | 13.45 | 89.07 | xxxxxx | xxxxxx | .0378 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0378 | 92.0 | 0.08 | xxxxxx | xxxxxx | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-10-2025 | Eligible |  |  |
| 843015 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-08-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-10-2025 | Eligible | 1 | 07-10-2025 |
| 843150 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-11-2025 | 1004 URAR | xxxxxx | 33.33 | 73.14 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 07-17-2025 |
| 843481 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-23-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 07-10-2025 |
| 843482 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-26-2025 |
| 843483 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-17-2025 | 1004 URAR | xxxxxx | 76.9 | 76.9 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-21-2025 |
| 843484 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-10-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-08-2025 |
| 843485 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 06-27-2025 |
| 843486 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 07-09-2025 |
| 843494 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | 68.75 | 68.75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843496 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-04-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-06-2025 |
| 843498 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-03-2025 |
| 843501 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | 55.35 | 55.35 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 07-01-2025 |
| 843517 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-09-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 07-10-2025 |
| 843531 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-15-2025 |
| 843534 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-23-2025 | Eligible | 1.1 | 06-23-2025 |
| 843655 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-04-2025 | Eligible | 1 | 08-04-2025 |
| 843731 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-11-2025 | 1004 URAR | xxxxxx | 68.15 | 68.15 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | .0120 | 07-11-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 07-17-2025 | Not Eligible | 1.7 | 07-17-2025 |
| 843789 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-02-2025 | 1004 URAR | xxxxxx | 69.07 | 69.07 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 07-10-2025 |
| 843790 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-29-2025 | Other | xxxxxx | 58.89 | 58.89 | xxxxxx | xxxxxx | -.0278 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0278 | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |
| 843826 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0016 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0016 | 97.0 | 0.03 | xxxxxx | xxxxxx | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843843 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | 42.99 | 42.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-01-2025 | Eligible | 1.8 | 08-01-2025 |
| 843877 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-15-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-16-2025 | Eligible | 1 | 07-16-2025 |
| 843882 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-31-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 08-15-2025 |
| 843892 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-08-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 07-10-2025 |
| 843901 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | 69.1 | 69.1 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-06-2025 | Eligible |  |  |
| 843908 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-15-2025 | Eligible | 1 | 07-15-2025 |
| 843932 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-18-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-22-2025 | Eligible | 1 | 07-22-2025 |
| 844017 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-30-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0425 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0425 | 90.0 | 0.1 | xxxxxx | Other | 07-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844137 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-27-2025 | 1004 URAR | xxxxxx | 67.8 | 67.8 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-30-2025 |
| 844138 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | 39.27 | 39.27 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-08-2025 |
| 844140 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-27-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-25-2025 |
| 844141 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-03-2025 | 1004 URAR | xxxxxx | 46.32 | 46.32 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844142 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0435 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0435 | xxxxxx | Moderate Risk | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-28-2025 |
| 844143 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-18-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-22-2025 |
| 844144 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-16-2025 | 1004 URAR | xxxxxx | 23.33 | 23.33 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-17-2025 |
| 844145 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-07-2025 |
| 844146 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 07-07-2025 |
| 844147 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-24-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-26-2025 |
| 844148 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 07-21-2025 |
| 844154 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844159 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-29-2025 | 1004 URAR | xxxxxx | 58.05 | 58.05 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 07-10-2025 |
| 844162 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-19-2025 | 1004 URAR | xxxxxx | 58.79 | 58.79 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-20-2025 |
| 844190 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-28-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0389 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 07-29-2025 |
| 844436 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | 50.0 | 50.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-07-2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 08-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | 07-29-2025 |
| 844825 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-15-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844948 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-02-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-05-2025 |
| 844951 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-17-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | .1515 | 04-10-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-29-2025 |
| 845537 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 08-12-2025 |
| 845551 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-24-2025 | Eligible |  |  |
| 845865 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-17-2025 | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 07-29-2025 |
| 845880 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-08-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-08-2025 |
| 845889 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | 52.25 | 52.25 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 07-14-2025 |
| 845890 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 07-15-2025 |
| 845891 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-08-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-10-2025 | Eligible | 1 | 07-10-2025 |
| 845895 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .3897 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | .3897 | 06-14-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-23-2025 |
| 845896 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-17-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845898 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-04-2025 | 1004 URAR | xxxxxx | 31.91 | 31.91 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 07-24-2025 |
| 845900 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | 79.85 | 79.85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-11-2025 |
| 845902 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-02-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-16-2025 |
| 845903 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-19-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate RisK | 06-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-26-2025 |
| 845905 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-29-2025 | 1004 URAR | xxxxxx | 23.25 | 23.25 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-02-2025 |
| 845906 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-14-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 07-17-2025 |
| 845907 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-21-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-25-2025 |
| 845909 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-21-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-22-2025 |
| 845914 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-15-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-15-2025 |
| 845915 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | 74.83 | 74.83 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-10-2025 |  | 1 | 07-10-2025 |
| 845916 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-03-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-08-2025 |
| 845917 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-24-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-31-2025 | Eligible | 1 | 07-31-2025 |
| 845920 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-18-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-21-2025 |
| 845925 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845931 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-12-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-16-2025 |
| 845933 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-13-2025 | 1004 URAR | xxxxxx | 79.57 | 79.57 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 06-20-2025 |
| 845934 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-09-2025 | 1004 URAR | xxxxxx | 73.85 | 73.85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-11-2025 | Eligible | 1.5 | 07-11-2025 |
| 845937 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | 89.94 | 89.94 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-06-2025 | Eligible |  |  |
| 845942 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-22-2025 | Eligible | 1.1 | 07-22-2025 |
| 845943 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-14-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-21-2025 |
| 845944 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-18-2025 | 1073 Individual Condo Report | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-25-2025 |
| 845945 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-14-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | .0049 | 08-01-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-14-2025 | Eligible | 1 | 07-14-2025 |
| 846116 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | 11.81 | 79.33 | xxxxxx | xxxxxx | -.0210 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0210 | 92.0 | 0.08 | xxxxxx | xxxxxx | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-03-2025 |
| 846118 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-12-2025 | 1004 URAR | xxxxxx | 36.0 | 69.8 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-14-2025 | Eligible | 1 | 07-14-2025 |
| 846420 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-24-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-26-2025 | Eligible | 1.5 |  |
| 846691 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | xxxxxx | -.0370 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | -.0370 | 07-03-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0370 | xxxxxx | Moderate Risk | 08-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.15

**EXHIBIT 99.15**

**CLArifii llc ("clarifii") executive summary**

![](tm2526594d1_ex99-15img001.jpg)

**EXECUTIVE SUMMARY**

**Verus 2025-9**

**By Clarifii LLC on September 22, 2025**

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](tm2526594d1_ex99-15img001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 350 Loans (the "Loans") originated by a correspondent lender and acquired by VMC Asset Pooler, LLC or its affiliates (the "Client") for the Verus 2025-9 transaction. The Loans referenced in this narrative report were reviewed between 08/2024 to 09/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;71 | &nbsp;&nbsp;20.29% | &nbsp;&nbsp;$40067971.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;92 | &nbsp;&nbsp;26.29% | &nbsp;&nbsp;$50679908.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;16 | &nbsp;&nbsp;4.57% | &nbsp;&nbsp;$6793458.00 |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;171 | &nbsp;&nbsp;48.85% | &nbsp;&nbsp;$98887816.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**350** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$196429153.00** |

---

The Review consisted of a population of 350 Loans, with an aggregate principal balance of $196,429,153.00.

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

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

![](tm2526594d1_ex99-15img001.jpg)

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

---

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

---

**DATA** **INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Initial Interest Rate |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap |
| &nbsp;&nbsp;ARM Subsequent Payment Change Frequency |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 Face-to-Face Interview |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |

---

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

![](tm2526594d1_ex99-15img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Race - Asian |
| &nbsp;&nbsp;Borrower 1 Race - Chinese |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Blanket Mortgage Flag |
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Index |
| &nbsp;&nbsp;Index Lookback Period |
| &nbsp;&nbsp;Index Rounding Factor |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |

---

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

![](tm2526594d1_ex99-15img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Months Since Bankruptcy |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Calculation |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property Attachment Type |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying HLTV |

---

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

![](tm2526594d1_ex99-15img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Product Name |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Loan Attributes** 

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit Application** 

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 6

![](tm2526594d1_ex99-15img001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit History** 

Clarifii verified the following items:

- A credit report or alternative credit history as applicable to Loan type is present for each borrower

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

&nbsp;&nbsp;&nbsp;&nbsp;· **Employment and Income** 

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in Loan file

&nbsp;&nbsp;&nbsp;&nbsp;· **Fraud Review** 

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

- Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Social
 Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 name variations

- Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 property ownership history

- Employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
 lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 officer

OFAC

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 7

![](tm2526594d1_ex99-15img001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;· **Asset Review** 

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in Loan file

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance and Taxes** 

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Debt Service Coverage Ratio (DSCR)** 

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final 1003 Application** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage/Deed of Trust** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Appraisal** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Sales Contract** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Title Commitment/Policy** 

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 8

![](tm2526594d1_ex99-15img001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;· **Junior Lien/Subordination Agreement** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage Insurance** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Flood Certification** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final Loan Estimate (LE)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final and Closing Disclosure (CD)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **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)

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Documentation Requirements** 

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 9

![](tm2526594d1_ex99-15img001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;· **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.

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 10

![](tm2526594d1_ex99-15img001.jpg)

**Miscellaneous Compliance Testing**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **State and Local Anti-Predatory Requirements** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann. §§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3.

Maryland Commercial Law, Mary. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by Maryland Senate Bill 270 (2008) and Maryland Regulations under the Maryland Mortgage Lender Law (2009).

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 11

![](tm2526594d1_ex99-15img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI Gen. L. et seq., as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

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

- South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

- Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 12

![](tm2526594d1_ex99-15img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Business Purpose Loan Compliance Review** 

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the Loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

With respect to QM (Safe Harbor and Rebuttable Presumption) designated Loans, Clarifii reviewed the Loan to determine whether, based on available information in the Loan file, (i) the Loan contained risky Loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceeded the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeded 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review included a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 13

![](tm2526594d1_ex99-15img001.jpg)

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

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

**ABILITY TO** **REPAY (ATR)**

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

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

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

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

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.

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 14

![](tm2526594d1_ex99-15img001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;· **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.

&nbsp;&nbsp;&nbsp;&nbsp;· **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:**

&nbsp;&nbsp;&nbsp;&nbsp;· If
 the AVM (Automated Valuation Model) or AVE/CMA (Automated Valuation Estimate/ Comparative
 Market Analysis) supported the origination appraised value within -10% variance, no additional
 products were required.

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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:**

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 15

![](tm2526594d1_ex99-15img001.jpg)

**VALUATION RESULTS SUMMARY**

The table below summarizes the Loans that contained independent third-party valuation product as well as Loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10%<br> Variance to OA or <br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files <br> within -10% of OA <br> or Acceptable <br> UCDP Risk Score** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;AVE/CMA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;157 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;169 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Enhanced Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 |

---

*One loan in the population is multi-property and is not included in the table above. Please refer to the Clarifii Multi-Property Reports for valuation details.* 

 

**DUE DILIGENCE** **GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 16

![](tm2526594d1_ex99-15img001.jpg)

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 17

![](tm2526594d1_ex99-15img001.jpg)

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary S&P** | &nbsp;&nbsp;**Overall Grade Summary S&P** | &nbsp;&nbsp;**Overall Grade Summary S&P** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;244 | &nbsp;&nbsp;69.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;105 | &nbsp;&nbsp;30.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**350** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary Kroll** | &nbsp;&nbsp;**Overall Grade Summary Kroll** | &nbsp;&nbsp;**Overall Grade Summary Kroll** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;245 | &nbsp;&nbsp;70.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;104 | &nbsp;&nbsp;29.71% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**350** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary S&P** | &nbsp;&nbsp;**Credit Grade Summary S&P** | &nbsp;&nbsp;**Credit Grade Summary S&P** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;296 | &nbsp;&nbsp;84.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;54 | &nbsp;&nbsp;15.43% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**350** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary Kroll** | &nbsp;&nbsp;**Credit Grade Summary Kroll** | &nbsp;&nbsp;**Credit Grade Summary Kroll** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;296 | &nbsp;&nbsp;84.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;54 | &nbsp;&nbsp;15.43% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**350** | &nbsp;&nbsp;**100.00%** |

---

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

![](tm2526594d1_ex99-15img001.jpg)

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary S&P** | &nbsp;&nbsp;**Property Grade Summary S&P** | &nbsp;&nbsp;**Property Grade Summary S&P** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;344 | &nbsp;&nbsp;98.29% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.71% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**350** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary Kroll** | &nbsp;&nbsp;**Property Grade Summary Kroll** | &nbsp;&nbsp;**Property Grade Summary Kroll** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;347 | &nbsp;&nbsp;99.14% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.86% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**350** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary S&P** | &nbsp;&nbsp;**Compliance Grade Summary S&P** | &nbsp;&nbsp;**Compliance Grade Summary S&P** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;294 | &nbsp;&nbsp;84.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;55 | &nbsp;&nbsp;15.71% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**350** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary Kroll** | &nbsp;&nbsp;**Compliance Grade Summary Kroll** | &nbsp;&nbsp;**Compliance Grade Summary Kroll** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;294 | &nbsp;&nbsp;84.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;55 | &nbsp;&nbsp;15.71% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**350** | &nbsp;&nbsp;**100.00%** |

---

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

![](tm2526594d1_ex99-15img001.jpg)

**ADDITIONAL LOAN** **SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.57% | &nbsp;&nbsp;$10937000.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;341 | &nbsp;&nbsp;97.43% | &nbsp;&nbsp;$185492153.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**350** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$196429153.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;184 | &nbsp;&nbsp;52.57% | &nbsp;&nbsp;$118616703.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;15 | &nbsp;&nbsp;4.29% | &nbsp;&nbsp;$9525311.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;151 | &nbsp;&nbsp;43.14% | &nbsp;&nbsp;$68287139.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**350** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$196429153.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;173 | &nbsp;&nbsp;49.43% | &nbsp;&nbsp;$91741628.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;177 | &nbsp;&nbsp;50.57% | &nbsp;&nbsp;$104687525.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**350** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$196429153.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;313 | &nbsp;&nbsp;89.43% | &nbsp;&nbsp;$188492930.00 |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;37 | &nbsp;&nbsp;10.57% | &nbsp;&nbsp;$7936223.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**350** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$196429153.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;300 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.285% | &nbsp;&nbsp;$104000.00 |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.285% | &nbsp;&nbsp;$315000.00 |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.285% | &nbsp;&nbsp;$8487652.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;339 | &nbsp;&nbsp;96.86% | &nbsp;&nbsp;$187432501.00 |
| &nbsp;&nbsp;240 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.285% | &nbsp;&nbsp;$90000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**350** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$196429153.00** |

---

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 20

![](tm2526594d1_ex99-15img001.jpg)

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**Accuracy <br> %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;45 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;11 | &nbsp;&nbsp;72.73% |
| &nbsp;&nbsp;Initial Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ARM Subsequent Payment Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Face-to-Face Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;338 | &nbsp;&nbsp;98.82% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;9 | &nbsp;&nbsp;339 | &nbsp;&nbsp;97.35% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |

---

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 21

![](tm2526594d1_ex99-15img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;Borrower 1 Race - Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Chinese | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;157 | &nbsp;&nbsp;98.73% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Blanket Mortgage Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Entity EIN | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;32 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;59 | &nbsp;&nbsp;81.36% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;21 | &nbsp;&nbsp;32 | &nbsp;&nbsp;34.38% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;113 | &nbsp;&nbsp;92.92% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;282 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;6 | &nbsp;&nbsp;340 | &nbsp;&nbsp;98.24% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;105 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;1 | &nbsp;&nbsp;282 | &nbsp;&nbsp;99.65% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;11 | &nbsp;&nbsp;339 | &nbsp;&nbsp;96.76% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;349 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;316 | &nbsp;&nbsp;100.00% |

---

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 22

![](tm2526594d1_ex99-15img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;350 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;3 | &nbsp;&nbsp;5 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;68 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Months Since Bankruptcy | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;57 | &nbsp;&nbsp;94.74% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;261 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Properties | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;3 | &nbsp;&nbsp;344 | &nbsp;&nbsp;99.13% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;349 | &nbsp;&nbsp;99.43% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;5 | &nbsp;&nbsp;10 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;283 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;100 | &nbsp;&nbsp;98.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;350 | &nbsp;&nbsp;99.71% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;340 | &nbsp;&nbsp;99.71% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;349 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;51 | &nbsp;&nbsp;307 | &nbsp;&nbsp;83.39% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;3 | &nbsp;&nbsp;340 | &nbsp;&nbsp;99.12% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;256 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;14 | &nbsp;&nbsp;321 | &nbsp;&nbsp;95.64% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;7 | &nbsp;&nbsp;308 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Qualifying HLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;245 | &nbsp;&nbsp;99.18% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;15 | &nbsp;&nbsp;334 | &nbsp;&nbsp;95.51% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;50 | &nbsp;&nbsp;257 | &nbsp;&nbsp;80.54% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;5 | &nbsp;&nbsp;11 | &nbsp;&nbsp;54.55% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;18 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;128 | &nbsp;&nbsp;97.66% |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;7 | &nbsp;&nbsp;177 | &nbsp;&nbsp;96.05% |

---

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 23

![](tm2526594d1_ex99-15img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;245 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;316 | &nbsp;&nbsp;99.68% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;47 | &nbsp;&nbsp;95.74% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

1. Narrative Report/Executive Summary

2. Attestation Forms

3. ASF Report

4. Rating Agency Grade Detail and Summary Report

5. Data Compare Report

6. Valuations Report

7. Rating Agency ATR/QM Report

8. Supplement Data Extract

9. Business Purpose Supplement Data Extract Report

10. Multi-Property Data Extract Report

11. Rating Agency Multi-Property Valuation Report.

**Disclaimer**

*Clarifii LLC ("the Company") performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).*

 

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

 

*Ratings, analysis, reports, and other opinions (referred to collectively as "Reports") issued by the Company are provided "as is" and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared, and no individual shall be exclusively deemed the "author" of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.*

 

*Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.*

 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2025 Clarifii LLC. All rights reserved.

VERUS 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 24

## Exhibit 99.16

**EXHIBIT 99.16**

**clarifii rating agency grades detail report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller 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** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 817898 | xxxxxx C B A | Closed | xxxxxx | 2024-08-15 06:43 | 2025-02-05 07:04 | Waived | 2 - Non-Material B | Property | Property | FEMA disaster declared PUBLIC ONLY | Waived-Originator waiver applied to non material finding. - Due Diligence Vendor-02/05/2025 <br> Open-Disaster recertification required. <br> xxxxxx<br> Incident Period: xxxxxx - and continuing<br> Emergency Declaration declared on xxxxxx - Due Diligence Vendor-08/15/2024 |  | Waived-Originator waiver applied to non material finding. - Due Diligence Vendor-02/05/2025<br>| Months Reserves exceed minimum required - Verified 29 months reserves; only 6 months required<br> Long term residence - Borrower own primary residence from the past 5 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 817898 | xxxxxx C B A | Closed | xxxxxx | 2024-08-14 17:47 | 2024-09-18 15:42 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-HOA verification provided. No additional assessments. - Due Diligence Vendor-09/18/2024 <br> Ready for Review-Document Uploaded. - Seller-09/17/2024 <br> Ready for Review-Document Uploaded. Please see attached Title and CD- Per Title their requirement was to verify everything was paid in full, Only HOA assessments were collected because they do not have the mandatory membership fee. This can be seen on title and CD and appraisal. Also attached email from title confirming no mandatory fee. - Seller-09/16/2024 <br> Counter-Club Membership disclosure support the monthly HOA dues. Please provide documentation to support there are no other special assessments required. - Due Diligence Vendor-09/05/2024 <br> Ready for Review-Document Uploaded. amount is $250 - Seller-09/04/2024 <br> Open-Purchase contract indicates mandatory membership to xxxxxx and dues were not included nor description provided. Missing additional HOA mandatory dues. Additional conditions may apply. DSCR must remain 1.0 or higher. - Due Diligence Vendor-08/14/2024 | Ready for Review-Document Uploaded. - Seller-09/17/2024 <br> Ready for Review-Document Uploaded. Please see attached Title and CD- Per Title their requirement was to verify everything was paid in full, Only HOA assessments were collected because they do not have the mandatory membership fee. This can be seen on title and CD and appraisal. Also attached email from title confirming no mandatory fee. - Seller-09/16/2024 <br> Ready for Review-Document Uploaded. amount is $250 - Seller-09/04/2024 | Resolved-HOA verification provided. No additional assessments. - Due Diligence Vendor-09/18/2024<br>| Months Reserves exceed minimum required - Verified 29 months reserves; only 6 months required<br> Long term residence - Borrower own primary residence from the past 5 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 817898 | xxxxxx C B A | Closed | xxxxxx | 2024-08-14 18:12 | 2024-09-05 17:36 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-CD's provided. Wire transfers support the EMD's. - Due Diligence Vendor-09/05/2024 <br> Ready for Review-Document Uploaded. Other funds were applied to these transactions, Loans xxxxxx and xxxxxx were reviewed through Clairifii and cleared for purchase - Seller-09/04/2024 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing evidence of sufficient funds to close for all properties financed. Per EMD letter in file, funds totaling $1,100,250 wired to title, of which xxxxxx is allocated to subject property. Any additional properties were not specifically identified in file. Wire transfers supporting the funds noted on the EMD receipt memo were documented. - Due Diligence Vendor-08/14/2024 | Ready for Review-Document Uploaded. Other funds were applied to these transactions, Loans xxxxxx and xxxxxx were reviewed through Clairifii and cleared for purchase - Seller-09/04/2024 | Resolved-CD's provided. Wire transfers support the EMD's. - Due Diligence Vendor-09/05/2024 | Months Reserves exceed minimum required - Verified 29 months reserves; only 6 months required<br>Long term residence - Borrower own primary residence from the past 5 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 817898 | xxxxxx C B A | Closed | xxxxxx | 2024-08-14 17:21 | 2024-08-20 15:50 | Resolved | 1 - Information C A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-Affidavit provided. - Due Diligence Vendor-08/20/2024 <br> Ready for Review-Document Uploaded. - Seller-08/19/2024 <br> Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. Missing Affidavit: Conveyances to Foreign Entities – By Individual Buyer or Conveyances to Foreign Entities – By Entity Buyer. - Due Diligence Vendor-08/14/2024 | Ready for Review-Document Uploaded. - Seller-08/19/2024 | Resolved-Affidavit provided. - Due Diligence Vendor-08/20/2024<br>| Months Reserves exceed minimum required - Verified 29 months reserves; only 6 months required<br>Long term residence - Borrower own primary residence from the past 5 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832812 | xxxxxx C A | Closed | xxxxxx | 2025-06-26 14:49 | 2025-06-27 11:24 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review, the litigation is accepted by the insurance carrier for all three pending suites. None are structural in nature. - Due Diligence Vendor-06/27/2025 <br> Open-Case xxxxxx. Court Case No. xxxxxx. This case involves an allegation that the Plaintiff, xxxxxx. <br>This case has been accepted by the insurance company for xxxxxx, and we have been advised as to the insurance coverage applicable to this incident and it appears that the coverage is sufficient for any claimed losses in this litigation. This lawsuit should not affect a homeowner' s ability to transfer title. Further, a typical uninvolved homeowner will not he affected by this lawsuit.<br> - Due Diligence Vendor-06/26/2025 |  | Resolved-After further review, the litigation is accepted by the insurance carrier for all three pending suites. None are structural in nature. - Due Diligence Vendor-06/27/2025 | LTV is less than guideline maximum - LTV 33% LTV. Allowed 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 779; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834369 | xxxxxx C A | Closed | xxxxxx | 2025-04-30 13:59 | 2025-06-25 12:24 | Resolved | 1 - Information C A | Property | Property | Property Type does not meet eligibility requirement(s) | Resolved-6/25/25 - Appraisal/Property meets all requirements – Appraiser has commented on ADU, provided comps and NO income from ADU is being used for qualification - Due Diligence Vendor-06/25/2025 <br> Counter-Appraiser to provide further clarification on separate area as included in gla-original finding remains. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-not using ADU for value - no xxxxxx needs to be in the xxxxxx. We only need the xxxxxx if the property (ADU) is being considered in the value of the property. - Seller-06/16/2025 <br> Open-Per 10.1.8 of the guidelines, ADU is required to have a xxxxxx. Per photos provided, it appears that subject is missing a xxxxxx, making the property ineligible. - Due Diligence Vendor-04/30/2025 | Ready for Review-not using ADU for value - no xxxxxx needs to be in the xxxxxx. We only need the xxxxxx if the property (ADU) is being considered in the value of the property. - Seller-06/16/2025 | Resolved-6/25/25 - Appraisal/Property meets all requirements – Appraiser has commented on ADU, provided comps and NO income from ADU is being used for qualification - Due Diligence Vendor-06/25/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.03<br>On time mortgage history exceeds guideline requirement - on time mortgage housing history for subject. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834369 | xxxxxx C A | Closed | xxxxxx | 2025-04-29 11:49 | 2025-06-25 12:23 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-6/25/25 - Appraisal/Property meets all requirements – Appraiser has commented on ADU, provided comps and NO income from ADU is being used for qualification - Due Diligence Vendor-06/25/2025 <br> Counter-Documentation received is insufficient-original finding remains. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-we are not using any income for ADU unit - therefore no additional updates need to be made to the report. - Seller-06/16/2025 <br> Open-Missing description of the accessory unit and appraiser's analysis of any effect it has on the value or marketability of the subject property as required per guidelines. Missing analysis of at least one comparable property with the same use. to demonstrates that the improvements are typical for the market, also required per guidelines. Page 1 of appraisal does not identify an ADU, and the ADU is not identified in sales comparison grid. However, in the revisions on PG 320, appraiser states that property has an ADU but rental income was not used. Revisions also note that two comparable rentals were added with ADU; however, the rental grid does not identify the properties include ADU pdf 362. - Due Diligence Vendor-04/29/2025 | Ready for Review-we are not using any income for ADU unit - therefore no additional updates need to be made to the report. - Seller-06/16/2025<br>| Resolved-6/25/25 - Appraisal/Property meets all requirements – Appraiser has commented on ADU, provided comps and NO income from ADU is being used for qualification - Due Diligence Vendor-06/25/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.03<br>On time mortgage history exceeds guideline requirement - on time mortgage housing history for subject. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834369 | xxxxxx C A | Closed | xxxxxx | 2025-04-29 12:04 | 2025-06-25 12:23 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-6/25/25 - google and WSJ searches both confirm xxxxxx uses xxxxxx. Appraisal/Property meets all requirements - Due Diligence Vendor-06/25/2025 <br> Counter-Reviewer is unable to locate address of bank to consider funds. Original finding remains. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. - Seller-06/16/2025 <br> Open-Audited Reserves of 1.07 month(s) are less than Guideline Required Reserves of 6 month(s) Audit included xxxxxx account balance only. Assets from xxxxxx were not included since no currency converter provided. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-06/16/2025<br>| Resolved-6/25/25 - google and WSJ searches both confirm xxxxxx uses xxxxxx Dollars. Appraisal/Property meets all requirements - Due Diligence Vendor-06/25/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.03<br>On time mortgage history exceeds guideline requirement - on time mortgage housing history for subject. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834369 | xxxxxx C A | Closed | xxxxxx | 2025-04-29 12:00 | 2025-06-25 12:22 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-6/25/25 - google and WSJ searches both confirm xxxxxx uses xxxxxx. Appraisal/Property meets all requirements - Due Diligence Vendor-06/25/2025 <br> Counter-Reviewer is unable to locate address of bank to confirm location. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-xxxxxx uses xxxxxx see document on other condition - Seller-06/16/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing xxxxxx conversion from xxxxxx to be able to use for reserves. - Due Diligence Vendor-04/29/2025 | Ready for Review-xxxxxx uses xxxxxx Currency see document on other condition - Seller-06/16/2025 | Resolved-6/25/25 - google and WSJ searches both confirm xxxxxx uses xxxxxx. Appraisal/Property meets all requirements - Due Diligence Vendor-06/25/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.03<br>On time mortgage history exceeds guideline requirement - on time mortgage housing history for subject. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834369 | xxxxxx C A | Closed | xxxxxx | 2025-04-29 11:52 | 2025-06-18 18:29 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. - Seller-06/16/2025 <br> Open-Fraud Report Shows Uncleared Alerts xxxxxx not cleared - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-06/16/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-06/18/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.03<br>On time mortgage history exceeds guideline requirement - on time mortgage housing history for subject. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 835674 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836773 | xxxxxx C B A | Closed | xxxxxx | 2025-06-03 10:43 | 2025-09-09 19:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted for condo requirements not met. waiver applied with comp factors. - Due Diligence Vendor-09/09/2025 <br> Counter-Pg 27 of guidelines 5/27/25 SNL DSCR - Due Diligence Vendor-06/04/2025 <br> Ready for Review-This condition is not reporting in our system. Please advise. - Buyer-06/03/2025 <br> Open-Non-warrantable due to high investor concentration 79%. Investor concentration is allowed up to 60%. A higher percentage may be considered when the subject transaction is an investment property when a history of a high percentage of rental units in the project can be demonstrated. Missing documentation that demonstrates the history of high percentage of rental units in the project. <br> - Due Diligence Vendor-06/03/2025 |  | Waived-Client exception granted for condo requirements not met. waiver applied with comp factors. - Due Diligence Vendor-09/09/2025 | Long term residence - 5 Years.<br>Credit history exceeds minimum required - Fico is 712. 700 required. | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines <br> Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 836773 | xxxxxx C B A | Closed | xxxxxx | 2025-06-02 08:57 | 2025-07-03 10:28 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received fully executed Note and prepay addendum - Due Diligence Vendor-07/03/2025 <br> Counter-Documentation received is insufficient-Note is not executed by the borrower; Missing Prepayment Addendum to Note - Due Diligence Vendor-07/02/2025 <br> Counter-Reviewed-Note received is not executed. Please upload. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Note signed by borrower and PPP addendum to note are both present in the loan file. Please re-review. - Seller-06/03/2025 <br> Open-There are Issues Present on the Note that must be addressed. Note is not executed by the borrower; Missing Prepayment Addendum to Note - Due Diligence Vendor-06/02/2025 | Ready for Review-Note signed by borrower and PPP addendum to note are both present in the loan file. Please re-review. - Seller-06/03/2025 | Resolved-Received fully executed Note and prepay addendum - Due Diligence Vendor-07/03/2025 | Long term residence - 5 Years.<br>Credit history exceeds minimum required - Fico is 712. 700 required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836773 | xxxxxx C B A | Closed | xxxxxx | 2025-06-02 08:46 | 2025-06-13 14:01 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Reviewed and confirm sufficient funds for closing provided. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Unsure what last comment is saying. Please advise what is needed to cure. - Buyer-06/12/2025 <br> Counter-Received printout 5/7 for xxxxxx. xxxxxx deposit appears to be proceeds from sale of property-already considered. Confirm for sufficient funds verified. - Due Diligence Vendor-06/11/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-75598.31'. Assets are Insufficient. Total Qualified Assets Post-Close amount is $-75,598.31. Assets are Insufficient. - Due Diligence Vendor-06/02/2025 |  | Resolved-Reviewed and confirm sufficient funds for closing provided. - Due Diligence Vendor-06/13/2025 | Long term residence - 5 Years.<br>Credit history exceeds minimum required - Fico is 712. 700 required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837356 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837450 | xxxxxx C A | Closed | xxxxxx | 2025-07-02 12:24 | 2025-07-18 10:53 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Wire transfer advice provided confirming account is in the borrower's business name and a CPA letter confirms the borrower is 100% owner of the business. - Due Diligence Vendor-07/18/2025 <br> Counter-Received transaction history-document is insufficient-original finding remains. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements Missing 30 days acct history with borrower name listed on bank account. Loan file contained printout summary with no identifying information for Asset Account ending in 6378 - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Resolved-Wire transfer advice provided confirming account is in the borrower's business name and a CPA letter confirms the borrower is 100% owner of the business. - Due Diligence Vendor-07/18/2025 | Months Reserves exceed minimum required - 9.6 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837683 | xxxxxx D A C | Closed | xxxxxx | 2025-08-21 13:13 | 2025-08-26 11:16 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Final CD received. ATR-QM status updated. - Due Diligence Vendor-09/10/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Missing TRID Documents - Due Diligence Vendor-08/21/2025 |  | Resolved-Final CD received. ATR-QM status updated. - Due Diligence Vendor-09/10/2025 | Months Reserves exceed minimum required - Verified assets of 12.57 months exceeds the minimum required of 3 months<br> Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 768 which exceeds the minimum of 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837683 | xxxxxx D A C | Closed | xxxxxx | 2025-08-19 11:40 | 2025-08-26 07:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received final CD xxxxxx, finding resolved. - Due Diligence Vendor-08/26/2025 <br> Open-TRID: Missing Final Closing Disclosure -----TRID: Missing Final Closing Disclosure. Additional findings may apply once received. - Due Diligence Vendor-08/19/2025 |  | Resolved-Received final CD xxxxxx, finding resolved. - Due Diligence Vendor-08/26/2025 | Months Reserves exceed minimum required - Verified assets of 12.57 months exceeds the minimum required of 3 months<br> Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 768 which exceeds the minimum of 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837839 | xxxxxx C B A | Closed | xxxxxx | 2025-02-24 16:00 | 2025-07-16 16:08 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Document Uploaded. - HOA Questionnaire provided which addressed inspection and no repairs being required. - Due Diligence Vendor-07/16/2025 <br> Open-Subject is missing required milestone inspection as required by xxxxxx Senate Bill No. 326. Subject was built before xxxxxx, is of xxxxxx units and contains xxxxxx, for human occupancy/use. xxxxxx. - Due Diligence Vendor-02/24/2025 |  | Resolved-Document Uploaded. - HOA Questionnaire provided which addressed inspection and no repairs being required. - Due Diligence Vendor-07/16/2025 | Months Reserves exceed minimum required - 55.48mos reserves. Per guides, no reserves required.<br> Qualifying DTI below maximum allowed - Borr DTI 34.66%. Per guides, maximum DTI 49.99%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837839 | xxxxxx C B A | Closed | xxxxxx | 2025-02-24 15:29 | 2025-02-24 15:36 | Waived | 2 - Non-Material B | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Waived-Originator waiver applied to non material finding with comp factors. Deemed non material does not affect value. - Due Diligence Vendor-02/24/2025 <br> Open-Appraiser states subject is xxxxxx, appears to be typo as subject is xxxxxx. - Due Diligence Vendor-02/24/2025 |  | Waived-Originator waiver applied to non material finding with comp factors. Deemed non material does not affect value. - Due Diligence Vendor-02/24/2025 | Months Reserves exceed minimum required - 55.48mos reserves. Per guides, no reserves required.<br>Qualifying DTI below maximum allowed - Borr DTI 34.66%. Per guides, maximum DTI 49.99%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 837858 | xxxxxx D A | Closed | xxxxxx | 2025-06-20 10:40 | 2025-08-04 10:11 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received corrected Note and PP Addendum reflecting signatures as individuals and business entity. - Due Diligence Vendor-08/04/2025 <br> Open-There are Issues Present on the Note that must be addressed. -----Note is missing business name. All borrowers signed as xxxxxx. - Due Diligence Vendor-06/20/2025 |  | Resolved-Received corrected Note and PP Addendum reflecting signatures as individuals and business entity. - Due Diligence Vendor-08/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 730<br>Months Reserves exceed minimum required - 33 mths reserves; 3 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837858 | xxxxxx D A | Closed | xxxxxx | 2025-06-23 12:44 | 2025-06-30 10:09 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received complete security instrument inclusive of PUD Rider. - Due Diligence Vendor-06/30/2025 <br> Open-PUD Rider is Missing Missing PUD Rider - Due Diligence Vendor-06/23/2025 |  | Resolved-Received complete security instrument inclusive of PUD Rider. - Due Diligence Vendor-06/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 730<br>Months Reserves exceed minimum required - 33 mths reserves; 3 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837882 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837897 | xxxxxx D A C | Closed | xxxxxx | 2025-06-24 16:42 | 2025-08-05 09:00 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received compliance documentation. - Due Diligence Vendor-08/05/2025 <br> Counter-Pending final compliance findings. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/11/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. File is missing Final CD/Settlement Statement - Compliance unable to run ATR/QM - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/11/2025<br>| Resolved-Received compliance documentation. - Due Diligence Vendor-08/05/2025 | On time mortgage history exceeds guideline requirement - On Time Mortgage History = 57 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 683 Min FICO = 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837897 | xxxxxx D A C | Closed | xxxxxx | 2025-07-14 09:21 | 2025-08-04 10:06 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC dated xxxxxx for increase in Discount Points. Finding resolved. - Due Diligence Vendor-08/04/2025 <br> Ready for Review------Received COC for decrease in discount points. Initial LE discount points were $0.00. Provide COC for increase to discount points on LE xxxxxx. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/25/2025 <br> Counter------Received response that discount points decreased. While the discount points did decrease on the final CD xxxxxx, this came after the initial increase from $0 on initial LE xxxxxx to $9,815 on subsequent LE xxxxxx. Provide COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,208.70, post-close CD, LOE and evidence of delivery - Due Diligence Vendor-07/21/2025 <br> Open----\*\*\*NEW\*\*\*Zero (0%) tolerance fees increased by $1,208.70 (Discount points) 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 $1,208.70, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years Expiration date xxxxxx - Due Diligence Vendor-07/14/2025 <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 $1,208.70.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). - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. - Seller-07/25/2025<br>| Resolved-Received COC dated xxxxxx for increase in Discount Points. Finding resolved. - Due Diligence Vendor-08/04/2025 | On time mortgage history exceeds guideline requirement - On Time Mortgage History = 57 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 683 Min FICO = 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837897 | xxxxxx D A C | Closed | xxxxxx | 2025-07-14 09:21 | 2025-07-21 07:40 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC xxxxxx for decrease in lender credit. Finding resolved. - Due Diligence Vendor-07/21/2025 <br> Open----\*\*\*NEW\*\*\*Lender credit decreased from $1,423.00 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,423.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-07/14/2025 |  | Resolved-Received COC xxxxxx for decrease in lender credit. Finding resolved. - Due Diligence Vendor-07/21/2025 | On time mortgage history exceeds guideline requirement - On Time Mortgage History = 57 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 683 Min FICO = 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837897 | xxxxxx D A C | Closed | xxxxxx | 2025-06-23 14:14 | 2025-07-14 09:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-----Received executed final CD xxxxxx, finding resolved. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/11/2025 <br> Open-TRID: Missing Final Closing Disclosure There is no final CD executed by borrower in file. Additional findings may apply upon receipt. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/11/2025<br>| Resolved-----Received executed final CD xxxxxx, finding resolved. - Due Diligence Vendor-07/14/2025 | On time mortgage history exceeds guideline requirement - On Time Mortgage History = 57 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 683 Min FICO = 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837897 | xxxxxx D A C | Closed | xxxxxx | 2025-06-23 13:41 | 2025-07-14 09:00 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/11/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit A is not attached to Mortgage. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/11/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/14/2025 | On time mortgage history exceeds guideline requirement - On Time Mortgage History = 57 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 683 Min FICO = 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837987 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 838081 | xxxxxx D A | Closed | xxxxxx | 2025-07-02 14:48 | 2025-08-06 08:54 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower is party to a lawsuit according to the 1003 declaration | Resolved-Received LOE and corrected final 1003-declaration was marked yes in error. - Due Diligence Vendor-08/06/2025 <br> Counter-Received corrected final 1003 and a signed LOE confirming error-LOE is dated in the future xxxxxx-please provide corrected letter. - Due Diligence Vendor-07/29/2025 <br> Open-Borrower is party to a lawsuit according to the 1003 declarations. No documentation was provided to support the details of the lawsuit. Please note that the DTI is not yet finalized and additional documentation and/or information may be required. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received LOE and corrected final 1003-declaration was marked yes in error. - Due Diligence Vendor-08/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - 769 vs. min FICO 700<br>Months Reserves exceed minimum required - 38 months vs 6 months required<br>Qualifying DTI below maximum allowed - 31.05% vs. max DTI 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838081 | xxxxxx D A | Closed | xxxxxx | 2025-07-09 10:37 | 2025-07-15 08:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received preliminary title. - Due Diligence Vendor-07/15/2025 <br> Open-Title Document is missing - Due Diligence Vendor-07/09/2025 |  | Resolved-Received preliminary title. - Due Diligence Vendor-07/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - 769 vs. min FICO 700<br>Months Reserves exceed minimum required - 38 months vs 6 months required<br>Qualifying DTI below maximum allowed - 31.05% vs. max DTI 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838176 | xxxxxx D B A | Closed | xxxxxx | 2025-07-10 10:45 | 2025-08-04 09:05 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received rent checks supporting VOR. - Due Diligence Vendor-08/04/2025 <br> Counter-Please provide evidence of 5/2025 rent payment to complete the full 6 months payment history. - Due Diligence Vendor-07/23/2025 <br> Counter-Received 3/1, 4/1 rent-missing 5/1. - Due Diligence Vendor-07/22/2025 <br> Counter-Documentation received is not legible. Please re upload rent checks-missing 3/1 and 4/1 and 5/1 rent payment was made and 3/24 was made. - Due Diligence Vendor-07/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- VOR provided guides requires additional 6 months cancelled check for private party. missing 3/1 and 4/1 and 5/1 rent payment was made and 3/24 was made. - Due Diligence Vendor-07/10/2025 |  | Resolved-Received rent checks supporting VOR. - Due Diligence Vendor-08/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 757; minimum score 680.<br>Months Reserves exceed minimum required - 11.95 months PITIA reserves; 6 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838176 | xxxxxx D B A | Closed | xxxxxx | 2025-07-10 11:41 | 2025-07-18 08:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Received March 2025 business bank statement. - Due Diligence Vendor-07/18/2025 <br> Open-Missing March 2025 Bank statement for account ending in 2879. - Due Diligence Vendor-07/11/2025 |  | Resolved-Received March 2025 business bank statement. - Due Diligence Vendor-07/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 757; minimum score 680.<br>Months Reserves exceed minimum required - 11.95 months PITIA reserves; 6 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838176 | xxxxxx D B A | Closed | xxxxxx | 2025-07-10 11:44 | 2025-07-16 09:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received invoices sourcing large deposits and confirming income related. - Due Diligence Vendor-07/16/2025 <br> Open-For Business income missing Large deposits 2/5/25 $54,435.45, 1/16/25 $69,913.75; 12/18/24 $60,983.75; 11/12/24 $59,546.99; 10/7/24 $81,946.54; 9/5/24 $65,443.53; 8/5/24 $60,407.99; 7/3/24 $73,093.98; 6/3/24 $56,329.44; 5/6/24 $54,585.5. needs to be sourced and documented. (The definition of a large deposit is any deposit exceeding 50% of the average monthly sales of the business.) - Due Diligence Vendor-07/11/2025 |  | Resolved-Received invoices sourcing large deposits and confirming income related. - Due Diligence Vendor-07/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 757; minimum score 680.<br>Months Reserves exceed minimum required - 11.95 months PITIA reserves; 6 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838176 | xxxxxx D B A | Closed | xxxxxx | 2025-07-10 10:24 | 2025-07-11 09:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-07/11/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Property is xxxxxx acres.<br> Lender Exception- appraisal indicates xxxxxx property (acreage xxxxxx acres= xxxxxx over xxxxxx mile) vs /xxxxxx property ineligible. - Due Diligence Vendor-07/10/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-07/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 757; minimum score 680.<br>Months Reserves exceed minimum required - 11.95 months PITIA reserves; 6 months reserves required. | DTI <= 36% which is below requirement in guidelines<br> Credit Score 30+ points > minimum required<br> Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838226 | xxxxxx D B A | Closed | xxxxxx | 2025-06-04 14:33 | 2025-09-09 20:24 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Waived-Client provided a waiver utilize xxxxxx on refinance, applied to non material finding with comp factors - Due Diligence Vendor-07/14/2025 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Buyer-07/11/2025 <br> Counter-Received short term rental analysis-dated post closing. Loan does not conform to guidelines. - Due Diligence Vendor-06/26/2025 <br> Open-Missing copy of the 1007 form. - Due Diligence Vendor-06/04/2025 |  | Waived-Client provided a waiver utilize xxxxxx on refinance, applied to non material finding with comp factors - Due Diligence Vendor-07/14/2025 | On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement. No late 0x30>than 24<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 793 and minimum allowed is 700 | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more<br> Subject property home ownership > 2 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 838226 | xxxxxx D B A | Closed | xxxxxx | 2025-06-04 14:32 | 2025-09-09 20:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client provided a waiver utilize xxxxxx on refinance, applied to non material finding with comp factors<br> - Due Diligence Vendor-07/14/2025 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Buyer-07/11/2025 <br> Counter-Received short term rental analysis-dated post closing. Loan does not conform to guidelines. - Due Diligence Vendor-06/26/2025 <br> Open-Subject loan is a STR. xxxxxx Rentalizer/Property Earning Potential Report accessed using the Explore Short-Term Rental data, must meet the following: Only allowed for purchase transaction. Subject is a refinance cash out.<br> - Due Diligence Vendor-06/04/2025 |  | Waived-Client provided a waiver utilize xxxxxx on refinance, applied to non material finding with comp factors<br> - Due Diligence Vendor-07/14/2025 | On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement. No late 0x30>than 24<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 793 and minimum allowed is 700 | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more<br> Subject property home ownership > 2 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 838230 | xxxxxx D B A | Closed | xxxxxx | 2025-06-06 17:09 | 2025-09-09 19:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Client provided a waiver for xxxxxx for STR on refinance, applied to non material finding with comp factors - Due Diligence Vendor-09/09/2025 <br> Open-The loan closed using xxxxxx for STR; however, xxxxxx is only allowed on a purchase and the subject transaction was a refinance. - Due Diligence Vendor-06/06/2025 |  | Waived-Client provided a waiver for xxxxxx for STR on refinance, applied to non material finding with comp factors - Due Diligence Vendor-09/09/2025 | Long term residence - 20 Years. <br>Qualifying FICO score is at least 20 points above minimum for program - 793 FICO; 700 required<br>Months Reserves exceed minimum required - 20 months reserves; 0 months reserves required. | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more<br> Subject property home ownership > 2 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxxxxx |
| 838230 | xxxxxx D B A | Closed | xxxxxx | 2025-06-04 15:08 | 2025-09-09 16:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-06/11/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit Disclosure. - Due Diligence Vendor-06/04/2025 |  | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-06/11/2025 | Long term residence - 20 Years. <br>Qualifying FICO score is at least 20 points above minimum for program - 793 FICO; 700 required<br>Months Reserves exceed minimum required - 20 months reserves; 0 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 838334 | xxxxxx D A | Closed | xxxxxx | 2025-07-09 09:59 | 2025-07-15 15:21 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-After further review, the prepay rider is not required. - Due Diligence Vendor-07/15/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing prepayment rider attached to the DOT. - Due Diligence Vendor-07/09/2025 |  | Resolved-After further review, the prepay rider is not required. - Due Diligence Vendor-07/15/2025 | Credit history exceeds minimum required - Credit profile has 0 late payments across all tradelines. <br>Months Reserves exceed minimum required - 55 months available vs. 2 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838334 | xxxxxx D A | Closed | xxxxxx | 2025-07-08 08:27 | 2025-07-14 09:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/11/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit Disclosure - Due Diligence Vendor-07/09/2025 |  | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-07/14/2025 | Credit history exceeds minimum required - Credit profile has 0 late payments across all tradelines. <br>Months Reserves exceed minimum required - 55 months available vs. 2 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838334 | xxxxxx D A | Closed | xxxxxx | 2025-07-08 08:27 | 2025-07-14 09:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Personal Guaranty. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/11/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Guaranty agreement is missing. Loan closed in LLC. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received Personal Guaranty. - Due Diligence Vendor-07/14/2025 | Credit history exceeds minimum required - Credit profile has 0 late payments across all tradelines. <br>Months Reserves exceed minimum required - 55 months available vs. 2 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838411 | xxxxxx C A | Closed | xxxxxx | 2025-06-16 11:25 | 2025-06-30 16:25 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received corrected final 1003 - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Open-page 1 of 1003 notes borrower owns primary but REO section and declarations show no real estate owned. <br> - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Received corrected final 1003 - Due Diligence Vendor-06/30/2025 | Months Reserves exceed minimum required - 12.38 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 70% max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838411 | xxxxxx C A | Closed | xxxxxx | 2025-06-16 10:48 | 2025-06-30 16:23 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received updated fraud report. OFAC Check Completed and Cleared - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. OFAC search is within the xxxxxx - Seller-06/27/2025 <br> Open-OFAC Check Not Completed and/or Cleared Missing clear OFAC check required for foreign national. Additional findings may apply - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. OFAC search is within the xxxxxx - Seller-06/27/2025 | Resolved-Received updated fraud report. OFAC Check Completed and Cleared - Due Diligence Vendor-06/30/2025 | Months Reserves exceed minimum required - 12.38 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 70% max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838413 | xxxxxx C A | Closed | xxxxxx | 2025-07-02 14:10 | 2025-07-24 13:12 | Resolved | 1 - Information C A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-Received Affidavit. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. Missing xxxxxx Foreign national affidavit. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Received Affidavit. - Due Diligence Vendor-07/17/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.175; minimum is 0.00<br>Months Reserves exceed minimum required - 52.63 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838413 | xxxxxx C A | Closed | xxxxxx | 2025-07-02 14:09 | 2025-07-17 15:44 | Resolved | 1 - Information A | Credit | Eligibility | Negative Liquid Funds Post Close | Resolved-Received wire receipt to title from the foreign account. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Funds to close can be held in a foreign account and a wire transfer of the funds to close must be sent directly to the title company. Funds came from the foreign and wire information was provided. They have been attached again. The only funds that need to be in a xxxxxx Bank account are the reserve funds. - Seller-07/11/2025 <br> Open-Negative Liquid Funds Post Close please review. short funds to close by -$64,405.22 <br> foreign funds would need to be deposited to xxxxxx acct. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Funds to close can be held in a foreign account and a wire transfer of the funds to close must be sent directly to the title company. Funds came from the foreign and wire information was provided. They have been attached again. The only funds that need to be in a xxxxxx Bank account are the reserve funds. - Seller-07/11/2025 | Resolved-Received wire receipt to title from the foreign account. - Due Diligence Vendor-07/17/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.175; minimum is 0.00<br>Months Reserves exceed minimum required - 52.63 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838471 | xxxxxx C A | Closed | xxxxxx | 2025-06-13 08:13 | 2025-07-14 09:20 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received EIN validation. - Due Diligence Vendor-07/14/2025 <br> Counter-EIN validation required-CPA or IRS must be provided. - Due Diligence Vendor-07/03/2025 <br> Counter-Received W-9. Missing confirmation of EIN from IRS - Due Diligence Vendor-06/25/2025 <br> Counter-Certificate of formation provided. Please provide the EIN and W-9 completed at closing as required by the guidelines. - Due Diligence Vendor-06/18/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. The Business Entity Formation Document is Missing - Due Diligence Vendor-06/13/2025 |  | Resolved-Received EIN validation. - Due Diligence Vendor-07/14/2025 | Months Reserves exceed minimum required - 11 months reserves; 0 months reserves required.<br>On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838506 | xxxxxx C A | Closed | xxxxxx | 2025-07-08 14:52 | 2025-07-08 17:08 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-After further review, Rent Loss Coverage is not required. - Due Diligence Vendor-07/08/2025 <br> Open-Rent Loss Coverage is Insufficient or Missing. -6 month's rent loss is required. Evidence of Property Insurance shows No Rent Loss coverage provided. - Due Diligence Vendor-07/08/2025 |  | Resolved-After further review, Rent Loss Coverage is not required. - Due Diligence Vendor-07/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - 722 vs. min FICO of 660<br>Months Reserves exceed minimum required - > 10 months available vs. 2 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 838567 | xxxxxx C A | Closed | xxxxxx | 2025-06-12 11:31 | 2025-07-17 15:31 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received addendum to the purchase contract. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Seller-07/14/2025 <br> Counter-Received updated preliminary title reflecting business name. Missing purchase contract addendum reflecting business name as buyer. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-Vested Owner Signature Requirement Not met. Title should be under business name does not match with appraisal . <br> Purchase contract is not under business name. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-07/14/2025 <br>Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-Received addendum to the purchase contract. - Due Diligence Vendor-07/17/2025 | Months Reserves exceed minimum required - 81.36 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 60% max 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838567 | xxxxxx C A | Closed | xxxxxx | 2025-06-12 12:55 | 2025-07-08 15:52 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received statement and printout. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. please see the attached - statement 1 is April from 4/30 and statement 2 the history is through 5/16 --- see transaction history it states "last 30days" - there just weren't any transactions during that time - Seller-07/07/2025 <br> Counter-Received duplicate documentation-Dashboard Printout must be accompanied with 1 month complete statement-original finding remains. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. - Seller-06/17/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements- missing 30 days account history bank stmt. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. please see the attached - statement 1 is April from 4/30 and statement 2 the history is through 5/16 --- see transaction history it states "last 30days" - there just weren't any transactions during that time - Seller-07/07/2025 <br>Ready for Review-Document Uploaded. - Seller-06/17/2025<br>| Resolved-Received statement and printout. - Due Diligence Vendor-07/08/2025 | Months Reserves exceed minimum required - 81.36 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 60% max 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838567 | xxxxxx C A | Closed | xxxxxx | 2025-06-12 12:40 | 2025-07-07 13:56 | Resolved | 1 - Information C A | Credit | Insurance | xxxxxx Coverage not met | Resolved-After further review, the guidelines do not require xxxxxx coverage on a non-warrantable condo. - Due Diligence Vendor-07/07/2025 <br> Counter-Documentation provided is insufficient-xxxxxx Coverage is required per 13.3 of guidelines- Original finding remains. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-this is not required for non warrantable condos - Seller-06/17/2025 <br> Open-xxxxxx Coverage not met. Missing xxxxxx coverage on Master policy. - Due Diligence Vendor-06/12/2025 | Ready for Review-this is not required for non warrantable condos - Seller-06/17/2025<br>| Resolved-After further review, the guidelines do not require xxxxxx coverage on a non-warrantable condo. - Due Diligence Vendor-07/07/2025 | Months Reserves exceed minimum required - 81.36 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 60% max 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838567 | xxxxxx C A | Closed | xxxxxx | 2025-06-12 12:11 | 2025-07-07 13:54 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project is ineligible | Resolved-Non-warrantable condo guidelines do not state this restriction. - Due Diligence Vendor-07/07/2025 <br> Counter-Documentation received is insufficient-original finding remains. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-this is not in our guidelines - Seller-06/17/2025 <br> Open-Per Condo Questionnaire project has resale restrictions. Per guides, when silent defer to xxxxxx. <br> Property Issues are identified for the property When silent , follow xxxxxx. Project resale restriction that owners cannot resell the unit within 2 years of purchase does not meet allowable Deed Restrictions - Due Diligence Vendor-06/12/2025 | Ready for Review-this is not in our guidelines - Seller-06/17/2025<br>| Resolved-Non-warrantable condo guidelines do not state this restriction. - Due Diligence Vendor-07/07/2025 | Months Reserves exceed minimum required - 81.36 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 60% max 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838593 | xxxxxx D A | Closed | xxxxxx | 2025-06-11 14:43 | 2025-07-21 12:33 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review, documents provided state the HOA is no longer in active litigation. This litigation was previously settled- condition resolved. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/18/2025 <br> Counter-Same documentation provided which is insufficient. Please provide evidence HOA is no longer a party to the litigation or documentation showing HOA insurance carrier has agreed to the defense. Finding remains - Due Diligence Vendor-06/18/2025 <br> Counter-Condo questionnaire signed 05/27/2025, question #14 states HOA named as party to the litigation. Provide evidence HOA is no longer a party to the litigation or documentation showing HOA insurance carrier has agreed to the defense. Finding remains - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Please see attached from HOA. - Buyer-06/16/2025 <br> Open-Lawsuit reflecting on the Condo questionnaire- xxxxxx - unit owner named the association as a party to the litigation. No other documentation provided for this lawsuit including the amount and if the HOA insurance would cover. - Due Diligence Vendor-06/12/2025 |  | Resolved-After further review, documents provided state the HOA is no longer in active litigation. This litigation was previously settled- condition resolved. - Due Diligence Vendor-07/21/2025 | Months Reserves exceed minimum required - 8 months reserves; 2 months reserves required.<br>Long term residence - 20 Years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838593 | xxxxxx D A | Closed | xxxxxx | 2025-06-11 13:50 | 2025-06-16 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/13/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Guaranty Agreement. - Due Diligence Vendor-06/11/2025 |  | Resolved-Received Guaranty. - Due Diligence Vendor-06/16/2025 | Months Reserves exceed minimum required - 8 months reserves; 2 months reserves required.<br>Long term residence - 20 Years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838594 | xxxxxx D A | Closed | xxxxxx | 2025-07-23 09:43 | 2025-08-26 11:20 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-08/26/2025 <br> Open-Additional valuation product has not been provided. Secondary Valuation or Additional Valuation with a score of 2.5 or lower, to validate appraisal OOV, has not been entered per securitization requirements. - Due Diligence Vendor-07/23/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-08/26/2025 | DSCR % greater than 1.20 - 2.313<br>LTV is less than guideline maximum - 60% LTV vs. 75% LTV max<br>Qualifying FICO score is at least 20 points above minimum for program - 712 vs. min FICO of 660<br>Months Reserves exceed minimum required - > 19 months available vs. 0 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838601 | xxxxxx D A | Closed | xxxxxx | 2025-07-10 13:30 | 2025-07-18 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved--Note was signed as individual. Agreement not required unless signed as member of entity. - Due Diligence Vendor-07/18/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Guaranty Agreement Missing. - Due Diligence Vendor-07/10/2025 |  | Resolved--Note was signed as individual. Agreement not required unless signed as member of entity. - Due Diligence Vendor-07/18/2025 | LTV is less than guideline maximum - LTV 65% LTV. Allowed 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 736; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838604 | xxxxxx D A | Closed | xxxxxx | 2025-06-20 13:00 | 2025-07-09 09:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received business bank statements reflecting sufficient reserves. - Due Diligence Vendor-07/09/2025 <br> Counter-Received assets under xxxxxx-missing borrowers percentage of ownership. Only agreement reflecting in file. - Due Diligence Vendor-07/02/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Borrowers are foreign nationals. Subject loan cash out refinance. Loan qualified with no credit scores. Funds to Borrower on CD, not used for reserves as guideline allow 100% of any cash out proceeds if FICO > 700. Provide (2 months most recent statements) assets must be held in a xxxxxx bank account in the borrower's name. - Due Diligence Vendor-06/20/2025 |  | Resolved-Received business bank statements reflecting sufficient reserves. - Due Diligence Vendor-07/09/2025 | LTV is less than guideline maximum - LTV 60% is less than guideline maximum 75%<br>DSCR % greater than 1.20 - DSCR 1.28% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838604 | xxxxxx D A | Closed | xxxxxx | 2025-06-20 13:10 | 2025-07-01 10:01 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received Good Standing for vested entity. - Due Diligence Vendor-07/01/2025 <br> Open-Provide Cert of Good standing. - Due Diligence Vendor-06/20/2025 |  | Resolved-Received Good Standing for vested entity. - Due Diligence Vendor-07/01/2025 | LTV is less than guideline maximum - LTV 60% is less than guideline maximum 75%<br>DSCR % greater than 1.20 - DSCR 1.28% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838604 | xxxxxx D A | Closed | xxxxxx | 2025-06-20 12:54 | 2025-07-01 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-Received cash out letter. - Due Diligence Vendor-07/01/2025 <br> Open-Per guideline Cash out proceeds may be used for business purposes only and a LOE will be required for closing. <br> - Due Diligence Vendor-06/20/2025 |  | Resolved-Received cash out letter. - Due Diligence Vendor-07/01/2025 | LTV is less than guideline maximum - LTV 60% is less than guideline maximum 75%<br>DSCR % greater than 1.20 - DSCR 1.28% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838646 | xxxxxx C A | Closed | xxxxxx | 2025-07-16 16:13 | 2025-07-29 09:08 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received milestone inspection. - Due Diligence Vendor-07/28/2025 <br> Open-The file does not contain the required structural engineer report per xxxxxx law. - Due Diligence Vendor-07/16/2025 |  | Resolved-Received milestone inspection. - Due Diligence Vendor-07/28/2025 | LTV is less than guideline maximum - LTV 24.23% LTV. Allowed 60%<br>Months Reserves exceed minimum required - 51 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838647 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838669 | xxxxxx B A | Closed | xxxxxx | 2025-07-14 08:48 | 2025-07-14 16:32 | Waived | 2 - Non-Material B | Credit | Title | Property Title Issue | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/14/2025 <br> Open-Property Title Issue - Exception: Title encroachment from neighbor property to subject. Listed on title. An exception was provided. Non-Material: Have ENCROACHMENT AGREEMENT AND LICENSE executed xxxxxx. - Due Diligence Vendor-07/14/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/14/2025 | LTV is less than guideline maximum - 60% LTV vs. max LTV 75%<br>Months Reserves exceed minimum required - > 43 months available vs. 2 required<br>Qualifying FICO score is at least 20 points above minimum for program - 809 vs. min FICO 640 | -Credit Score 30+ points > minimum required<br> - LTV/CLTV LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> - Experienced Investor Experienced investor owns and manages 2 or more properties for 12 months<br> - Reserves Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838720 | xxxxxx D A | Closed | xxxxxx | 2025-06-26 16:17 | 2025-07-09 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/07/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing The Business Purpose Affidavit Disclosure is missing the borrowers' signatures - Due Diligence Vendor-06/26/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-07/09/2025 | Months Reserves exceed minimum required - 121 months available vs. 2 required<br>LTV is less than guideline maximum - 58.90% LTV vs. max LTV 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838720 | xxxxxx D A | Closed | xxxxxx | 2025-06-26 10:30 | 2025-07-09 10:07 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received chain of title - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/07/2025 <br> Open-Unsatisfactory Chain of Title provided. Missing 24 month Chain of Title - Due Diligence Vendor-06/26/2025 |  | Resolved-Received chain of title - Due Diligence Vendor-07/09/2025 | Months Reserves exceed minimum required - 121 months available vs. 2 required<br>LTV is less than guideline maximum - 58.90% LTV vs. max LTV 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838720 | xxxxxx D A | Closed | xxxxxx | 2025-06-26 10:44 | 2025-06-27 09:58 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Rent Loss Coverage is Sufficient, or Not Applicable. - Due Diligence Vendor-06/27/2025 <br> Open-Rent Loss Coverage is Insufficient or Missing. Requires 6 months rent loss coverage. - Due Diligence Vendor-06/26/2025 |  | Resolved-Rent Loss Coverage is Sufficient, or Not Applicable. - Due Diligence Vendor-06/27/2025 | Months Reserves exceed minimum required - 121 months available vs. 2 required<br>LTV is less than guideline maximum - 58.90% LTV vs. max LTV 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838746 | xxxxxx D B A | Closed | xxxxxx | 2025-06-23 13:26 | 2025-09-09 20:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client provided a waiver refinance within 6 months after MLS cancellation, utilizing listing price for value, applied to non material finding with comp factors - Due Diligence Vendor-07/09/2025 <br> Open-Property was listed for sale in the past 6 months (listing removed 2/24/25). Per guidelines ineligible for Cash Out and Rate/Term Refinance. - Due Diligence Vendor-06/23/2025 |  | Waived-Client provided a waiver refinance within 6 months after MLS cancellation, utilizing listing price for value, applied to non material finding with comp factors - Due Diligence Vendor-07/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 797 and minimum allowed is 700<br>Months Reserves exceed minimum required - Borrower has 105..7 months of reserves and only needs 2 months to qualify. | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 838746 | xxxxxx D B A | Closed | xxxxxx | 2025-06-20 12:04 | 2025-07-07 10:42 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received correct HOI reflecting acceptable effective date - Due Diligence Vendor-07/07/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx and after the disbusement date of xxxxxx. - Due Diligence Vendor-06/20/2025 |  | Resolved-Received correct HOI reflecting acceptable effective date - Due Diligence Vendor-07/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 797 and minimum allowed is 700<br>Months Reserves exceed minimum required - Borrower has 105..7 months of reserves and only needs 2 months to qualify. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838746 | xxxxxx D B A | Closed | xxxxxx | 2025-06-20 12:32 | 2025-07-01 10:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Upon further review, the loan file contained all required cash out purpose documentation. - Due Diligence Vendor-07/01/2025 <br> Open-Missing letter of explanation for reason for cash out. - Due Diligence Vendor-06/20/2025 |  | Resolved-Upon further review, the loan file contained all required cash out purpose documentation. - Due Diligence Vendor-07/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 797 and minimum allowed is 700<br>Months Reserves exceed minimum required - Borrower has 105..7 months of reserves and only needs 2 months to qualify. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838766 | xxxxxx D A C | Closed | xxxxxx | 2025-08-04 20:59 | 2025-08-15 14:57 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated P&I for 1st mortgage. Original Audit "double-counted" taxes and insurance in the P&I payment. DTI now below 50% - Due Diligence Vendor-08/15/2025 <br> Counter-Reviewed total income $8,703.50, $3,479.54 subject PITIA and $1,296 consumer debt. - Due Diligence Vendor-08/14/2025 <br> Open-Audited DTI of 54.87% exceeds Guideline DTI of 50% DTI exceeds 50% since the subject taxes and HOI was not included into the DTI calculation. - Due Diligence Vendor-08/05/2025 |  | Resolved-Updated P&I for 1st mortgage. Original Audit "double-counted" taxes and insurance in the P&I payment. DTI now below 50% - Due Diligence Vendor-08/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - 27Min FICO 700- Borrowers FICO <br>Months Reserves exceed minimum required - 0 mths reserves- Borrowers have 30.94 mths reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838766 | xxxxxx D A C | Closed | xxxxxx | 2025-08-04 20:10 | 2025-08-14 11:11 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received 2 BPO's. Lowest value was used to qualify. - Due Diligence Vendor-08/14/2025 <br> Counter-AVM provided, however we are missing a secondary valuation by a approved vendor. - Due Diligence Vendor-08/11/2025 <br> Open-Additional valuation product has not been provided. Missing the Additional Valuation product. - Due Diligence Vendor-08/05/2025 |  | Resolved-Received 2 BPO's. Lowest value was used to qualify. - Due Diligence Vendor-08/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - 27Min FICO 700- Borrowers FICO <br>Months Reserves exceed minimum required - 0 mths reserves- Borrowers have 30.94 mths reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838766 | xxxxxx D A C | Closed | xxxxxx | 2025-07-31 10:56 | 2025-08-14 07:40 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received documentation Section B fee was paid to vendor and not Lender or Broker, finding resolved. - Due Diligence Vendor-08/14/2025 <br> Counter------Received documentation fees paid to third party service provider. Fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. - Due Diligence Vendor-08/12/2025 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-07/31/2025 |  | Resolved-Received documentation Section B fee was paid to vendor and not Lender or Broker, finding resolved. - Due Diligence Vendor-08/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - 27Min FICO 700- Borrowers FICO <br> Months Reserves exceed minimum required - 0 mths reserves- Borrowers have 30.94 mths reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838819 | xxxxxx D A | Closed | xxxxxx | 2025-07-07 15:08 | 2025-07-17 09:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Receive Guaranty Agreement. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/16/2025 <br> Counter-Received business purpose affidavit-missing Personal Guaranty-original finding remains. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/11/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Guaranty Agreement Missing. - Due Diligence Vendor-07/07/2025 |  | Resolved-Receive Guaranty Agreement. - Due Diligence Vendor-07/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 800; guidelines require 700. <br> DSCR % greater than 1.20 - DSCR is 1.527 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838819 | xxxxxx D A | Closed | xxxxxx | 2025-07-04 14:58 | 2025-07-14 09:22 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/11/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing legal description of property (Exhibit A) - Due Diligence Vendor-07/04/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 800; guidelines require 700. <br> DSCR % greater than 1.20 - DSCR is 1.527 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838937 | xxxxxx D A | Closed | xxxxxx | 2025-07-03 13:23 | 2025-07-11 17:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Operating Agreement | Resolved-Upon further review, the CPA letter in file is dated and confirms ownership %. - Due Diligence Vendor-07/11/2025 <br> Counter-Documentation received is insufficient-confirms percentage of ownership required for use of business assets-original finding remains. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. please see attached business search, the guidelines do not require an operating agreement - Seller-07/08/2025 <br> Open-Missing Operating agreement for business on xxxxxx being used for funds to close. <br> CPA ltr provided however was not date. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. please see attached business search, the guidelines do not require an operating agreement - Seller-07/08/2025 | Resolved-Upon further review, the CPA letter in file is dated and confirms ownership %. - Due Diligence Vendor-07/11/2025 | LTV is less than guideline maximum - LTV 65% max 75%.<br> DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.01; minimum DSCR 1.00. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838944 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 838956 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838958 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-25 10:20 | 2025-08-04 09:19 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received income documentation. ATR-QM status updated. - Due Diligence Vendor-09/10/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Income not fully documented - Due Diligence Vendor-07/25/2025 |  | Resolved-Received income documentation. ATR-QM status updated. - Due Diligence Vendor-09/10/2025 | Months Reserves exceed minimum required - 143 months reserves documented, 9 months required<br> Qualifying FICO score is at least 20 points above minimum for program - 721 FICOI, 660 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 838958 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-25 10:20 | 2025-08-04 09:19 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-08/04/2025 <br> Open-The Originator QM Status is not the same as the Final QM Status. Income not fully documented - Due Diligence Vendor-07/25/2025 |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-08/04/2025 | Months Reserves exceed minimum required - 143 months reserves documented, 9 months required<br> Qualifying FICO score is at least 20 points above minimum for program - 721 FICOI, 660 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 838958 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-25 09:32 | 2025-08-04 09:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received Dec statement to complete 6 months asset statements. - Due Diligence Vendor-08/04/2025 <br> Open-Most recent 6 months of consecutive asset statements are required to verify stable balance history. Only 5 months provided. (Jan through May). P505 updates balances through 6.16.2025 (5.5 month history) - Due Diligence Vendor-07/25/2025 |  | Resolved-Received Dec statement to complete 6 months asset statements. - Due Diligence Vendor-08/04/2025 | Months Reserves exceed minimum required - 143 months reserves documented, 9 months required<br> Qualifying FICO score is at least 20 points above minimum for program - 721 FICOI, 660 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 838958 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-23 13:50 | 2025-07-30 09:49 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC xxxxxx and COC xxxxxx for increase in discount points, Finding resolved. - Due Diligence Vendor-07/30/2025 <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 $401.80.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 $401.80 (Points-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 $401.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-07/23/2025 |  | Resolved-Received COC xxxxxx and COC xxxxxx for increase in discount points, Finding resolved. - Due Diligence Vendor-07/30/2025 | Months Reserves exceed minimum required - 143 months reserves documented, 9 months required<br> Qualifying FICO score is at least 20 points above minimum for program - 721 FICOI, 660 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 838958 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-25 12:29 | 2025-07-30 09:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-xxxxxx approval received in lieu of HOA questionnaire. - Due Diligence Vendor-07/30/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-07/25/2025 |  | Resolved-xxxxxx approval received in lieu of HOA questionnaire. - Due Diligence Vendor-07/30/2025 | Months Reserves exceed minimum required - 143 months reserves documented, 9 months required<br> Qualifying FICO score is at least 20 points above minimum for program - 721 FICOI, 660 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 838958 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-25 09:52 | 2025-07-28 12:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as 1003 notates no mortgage on said property and LOX in file states borr does not carry insurance on it. No mortgage on xxxxxx, no MERS on DV report. - Due Diligence Vendor-07/28/2025 <br> Open-Housing History Does Not Meet Guideline Requirements B2 owns xxxxxx with acreage. No mortgage on xxxxxx, no MERS on xxxxxx report. Unable to provide any history as mortgage on property was over 30 years ago. Lender exception in file. - Due Diligence Vendor-07/25/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as 1003 notates no mortgage on said property and LOX in file states borr does not carry insurance on it. No mortgage on xxxxxx, no MERS on xxxxxx report. - Due Diligence Vendor-07/28/2025 | Months Reserves exceed minimum required - 143 months reserves documented, 9 months required<br> Qualifying FICO score is at least 20 points above minimum for program - 721 FICOI, 660 required | Reserves exceed requirements by 10 months or more<br> Credit score 30+ points > minimum needed | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839322 | xxxxxx C A | Closed | xxxxxx | 2025-07-17 16:53 | 2025-08-04 10:47 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Received confirmation all xxxxxx have been completed by HOA. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-08/04/2025 <br> Counter-Received duplicate documentation-finding remains. - Due Diligence Vendor-07/28/2025 <br> Open-Comments indicated pending litigation. Condo (Plaintiff) has lawsuit against xxxxxx. (pg 1269) Questionnaire/Appraisal shows xxxxxx has high rental rates. - Due Diligence Vendor-07/17/2025 |  | Resolved-Received confirmation all repairs have been completed by HOA. - Due Diligence Vendor-08/04/2025 | Months Reserves exceed minimum required - 151 mths reserves; 3 mths required.<br> Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 766 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 839322 | xxxxxx C A | Closed | xxxxxx | 2025-07-17 11:52 | 2025-07-22 10:41 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-After further review, the notary signed the document; they are not required to sign twice. - Due Diligence Vendor-07/22/2025 <br> Counter-Security instruments in the state of xxxxxx require a witness signature-this may be the notary. Mortgage does not reflect witness. - Due Diligence Vendor-07/21/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing witness signature - Due Diligence Vendor-07/17/2025 |  | Resolved-After further review, the notary signed the document; they are not required to sign twice. - Due Diligence Vendor-07/22/2025 | Months Reserves exceed minimum required - 151 mths reserves; 3 mths required.<br> Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 766 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 839337 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839340 | xxxxxx D A | Closed | xxxxxx | 2025-06-23 09:54 | 2025-06-30 16:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025 | Resolved-Received business purpose affidavit. - Due Diligence Vendor-06/30/2025 | Months Reserves exceed minimum required - 15.9 months PITIA reserves; 6 months reserves required.<br> LTV is less than guideline maximum - LTV 65% max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839346 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839371 | xxxxxx D B A | Closed | xxxxxx | 2025-08-04 10:30 | 2025-09-09 20:22 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client exception granted to allow Cash out to pay off non subject xxxxxx loan. , Non-materialwaiver applied with comp factors. non-material due to loan is not delinquent reset pay off date. - Due Diligence Vendor-08/04/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Net proceeds used to payoff non-subject xxxxxx<br> loan liability held by business which is in the process of<br> extending the term, however statement currently reflects full<br> balance past due - Due Diligence Vendor-08/04/2025 |  | Waived-Client exception granted to allow Cash out to pay off non subject xxxxxx loan. , Non-materialwaiver applied with comp factors. non-material due to loan is not delinquent reset pay off date. - Due Diligence Vendor-08/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 707 score . Per guides, minimum score required 660.<br> Months Reserves exceed minimum required - 117.63mos reserves. Per guides, 6 reserves required (additional 2mos for all other REO). | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 707 score . Per guides, minimum score required 660.<br> Months Reserves exceed minimum required - 117.63mos reserves. Per guides, 6 reserves required (additional 2mos for all other REO). | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 839371 | xxxxxx D B A | Closed | xxxxxx | 2025-08-04 10:25 | 2025-08-11 08:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank analysis worksheet. - Due Diligence Vendor-08/11/2025 <br> Counter-Received income narrative-please provide business bank statement analysis worksheet. - Due Diligence Vendor-08/07/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing income worksheet - Due Diligence Vendor-08/04/2025 |  | Resolved-Received business bank analysis worksheet. - Due Diligence Vendor-08/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 707 score . Per guides, minimum score required 660.<br> Months Reserves exceed minimum required - 117.63mos reserves. Per guides, 6 reserves required (additional 2mos for all other REO). |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839371 | xxxxxx D B A | Closed | xxxxxx | 2025-08-01 11:38 | 2025-08-07 09:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Tax Cert | Resolved-Received subject tax cert. - Due Diligence Vendor-08/07/2025 <br> Open-Missing tax certificate/taxes information used to qualify as reflected on final 1008. - Due Diligence Vendor-08/01/2025 |  | Resolved-Received subject tax cert. - Due Diligence Vendor-08/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 707 score . Per guides, minimum score required 660.<br> Months Reserves exceed minimum required - 117.63mos reserves. Per guides, 6 reserves required (additional 2mos for all other REO). |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839371 | xxxxxx D B A | Closed | xxxxxx | 2025-08-01 12:45 | 2025-08-07 09:17 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received confirmation from insurance company dwelling coverage includes replacement cost. - Due Diligence Vendor-08/07/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Hazard Insurance coverage xxxxxx. Loan amount xxxxxx, standard 80% (xxxxxx) coverage is required. No RCE in file. - Due Diligence Vendor-08/01/2025 |  | Resolved-Received confirmation from insurance company dwelling coverage includes replacement cost. - Due Diligence Vendor-08/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 707 score . Per guides, minimum score required 660.<br> Months Reserves exceed minimum required - 117.63mos reserves. Per guides, 6 reserves required (additional 2mos for all other REO). |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839371 | xxxxxx D B A | Closed | xxxxxx | 2025-08-01 15:49 | 2025-08-07 09:06 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received complete fraud report. - Due Diligence Vendor-08/07/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Missing Third Party Fraud Report - Due Diligence Vendor-08/01/2025 |  | Resolved-Received complete fraud report. - Due Diligence Vendor-08/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 707 score . Per guides, minimum score required 660.<br> Months Reserves exceed minimum required - 117.63mos reserves. Per guides, 6 reserves required (additional 2mos for all other REO). |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839371 | xxxxxx D B A | Closed | xxxxxx | 2025-08-01 15:49 | 2025-08-07 09:06 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received fraud report reflecting all interested parties searched. - Due Diligence Vendor-08/07/2025 <br> Open-OFAC Check Not Completed and/or Cleared Missing Third Party Fraud Report - Due Diligence Vendor-08/01/2025 |  | Resolved-Received fraud report reflecting all interested parties searched. - Due Diligence Vendor-08/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 707 score . Per guides, minimum score required 660.<br> Months Reserves exceed minimum required - 117.63mos reserves. Per guides, 6 reserves required (additional 2mos for all other REO). |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839371 | xxxxxx D B A | Closed | xxxxxx | 2025-08-01 15:49 | 2025-08-07 09:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received complete fraud report. - Due Diligence Vendor-08/07/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-08/01/2025 |  | Resolved-Received complete fraud report. - Due Diligence Vendor-08/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 707 score . Per guides, minimum score required 660.<br> Months Reserves exceed minimum required - 117.63mos reserves. Per guides, 6 reserves required (additional 2mos for all other REO). |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839460 | xxxxxx D B A | Closed | xxxxxx | 2025-07-09 15:43 | 2025-09-09 19:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Consider the borrower as an experienced investor with less than 12-month experience (9 months) when 12 month experience is required. <br> Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-09/09/2025 <br> Open-An experienced investor with less than 12-month experience (9 months) when 12 month experience is required per guides. - Due Diligence Vendor-09/09/2025 |  | Waived-Consider the borrower as an experienced investor with less than 12-month experience (9 months) when 12 month experience is required. <br> Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-09/09/2025 | LTV is less than guideline maximum - LTV 56% LTV. Allowed 75%.<br> Months Reserves exceed minimum required - 11 months reserves; 2 months reserves required. | 11 months reserves<br> 2 months reserves required<br> LTV 56% LTV. Allowed 75%. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839460 | xxxxxx D B A | Closed | xxxxxx | 2025-07-10 08:45 | 2025-09-09 19:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 667 is less than Guideline FICO of 680 Fisrt time investor with score of 667. <br> Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-09/09/2025 <br> Open-Audited FICO of 667 is less than Guideline FICO of 680 Fisrt time investor with score of 667. - Due Diligence Vendor-09/09/2025 |  | Waived-Audited FICO of 667 is less than Guideline FICO of 680 Fisrt time investor with score of 667. <br> Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-09/09/2025 | LTV is less than guideline maximum - LTV 56% LTV. Allowed 75%.<br> Months Reserves exceed minimum required - 11 months reserves; 2 months reserves required. | Reserves exceed my 10 mo's or more. <br> LTV 10% or more below max allowed | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839460 | xxxxxx D B A | Closed | xxxxxx | 2025-07-09 15:12 | 2025-07-22 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-07/22/2025 <br> Counter-Received signed Business Purpose Affidavit-initials missing from box The Property is not and will not be occupied by me or any member of the LLC or any family member. Provide complete Business Purpose Affidavit. - Due Diligence Vendor-07/16/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit Disclosure. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-07/22/2025 | LTV is less than guideline maximum - LTV 56% LTV. Allowed 75%.<br> Months Reserves exceed minimum required - 11 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839464 | xxxxxx D B A | Closed | xxxxxx | 2025-09-15 08:58 | 2025-09-15 08:58 | Waived | 2 - Non-Material B | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Waived--Desk review product shows variance from origination and field review obtained to support value within 10%. S&P grade B. Waiver applied to finding. - Due Diligence Vendor-09/15/2025 |  | Waived--Desk review product shows variance from origination and field review obtained to support value within 10%. S&P grade B. Waiver applied to finding. - Due Diligence Vendor-09/15/2025 | Months Reserves exceed minimum required - 103 months reserves; 3 months reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 792; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 839464 | xxxxxx D B A | Closed | xxxxxx | 2025-06-28 08:43 | 2025-07-11 11:05 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received operating agreement. - Due Diligence Vendor-07/11/2025 <br> Counter-Received Good Standing, Certificate of Formation-missing complete Operating Agreement. - Due Diligence Vendor-07/03/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing Business Entity Formation Document. - Due Diligence Vendor-06/28/2025 |  | Resolved-Received operating agreement. - Due Diligence Vendor-07/11/2025 | Months Reserves exceed minimum required - 103 months reserves; 3 months reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 792; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839464 | xxxxxx D B A | Closed | xxxxxx | 2025-06-28 11:21 | 2025-07-11 11:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Received confirmation of EIN - Due Diligence Vendor-07/11/2025 <br> Counter-Received application for EIN-provide EIN validation from IRS or CPA. - Due Diligence Vendor-07/03/2025 |  | Resolved-Received confirmation of EIN - Due Diligence Vendor-07/11/2025 | Months Reserves exceed minimum required - 103 months reserves; 3 months reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 792; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839523 | xxxxxx C B A | Closed | xxxxxx | 2025-08-13 11:48 | 2025-09-10 11:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, exception provided to allow Cash out exceeding $300K. Max LTV is 60%. - Due Diligence Vendor-09/10/2025 <br> Open-Audited LTV of 60% exceeds Guideline LTV of 50% Max 50% LTV for cash in hand over $500,000 - Due Diligence Vendor-08/13/2025 |  | Resolved-Upon further review, exception provided to allow Cash out exceeding $300K. Max LTV is 60%. - Due Diligence Vendor-09/10/2025 | Months Reserves exceed minimum required - 63 months > 6 required<br> DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.098 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839523 | xxxxxx C B A | Closed | xxxxxx | 2025-08-20 13:23 | 2025-08-20 13:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Cash out is more than the maximum allowed per LTV guidelines | Waived-Originator waiver applied to non material finding with compensating factors. Exception for cash in hand to exceed 300k. - Due Diligence Vendor-08/20/2025 <br> Open-Cash out exceeds the maximum of $300,000. - Due Diligence Vendor-08/20/2025 |  | Waived-Originator waiver applied to non material finding with compensating factors. Exception for cash in hand to exceed 300k. - Due Diligence Vendor-08/20/2025 | Months Reserves exceed minimum required - 63 months > 6 required<br> DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.098 | 1.098 DSCR<br> 63 months of reserves. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 839523 | xxxxxx C B A | Closed | xxxxxx | 2025-08-08 14:16 | 2025-08-19 16:41 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received LOX no lease on subject. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/15/2025 <br> Open-Appraisal to address page 1 of appraisal that notes tenant occupied and 1007 that provides no current lease information. Missing date lease begins/ends and monthly rent. Additional findings may apply and DSCR may require recalculation upon receipt of the updated current lease information since Audit used market rent to qualify.<br> - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/15/2025 | Resolved-Received LOX no lease on subject. - Due Diligence Vendor-08/19/2025 | Months Reserves exceed minimum required - 63 months > 6 required<br> DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.098 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839523 | xxxxxx C B A | Closed | xxxxxx | 2025-08-08 13:25 | 2025-08-19 16:40 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received wet signed Note. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/15/2025 <br> Open-There are Issues Present on the Note that must be addressed. 1. Note provided was signed digitally and is not acceptable-guide silent on this however per xxxxxx does not allow E-signature on note. 2. Notary was notarized in xxxxxx per xxxxxx guides- pg 16 Documents signed by the borrowers outside of the xxxxxx must be notarized by a xxxxxx on xxxxxx. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/15/2025 | Resolved-Received wet signed Note. - Due Diligence Vendor-08/19/2025 | Months Reserves exceed minimum required - 63 months > 6 required<br> DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.098 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839569 | xxxxxx D B A | Closed | xxxxxx | 2025-08-08 10:30 | 2025-08-18 08:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final Closing Disclosure dated xxxxxx and hand signed xxxxxx provided. Finding resolved - Due Diligence Vendor-08/18/2025 <br> Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-08/08/2025 |  | Resolved-Final Closing Disclosure dated xxxxxx and hand signed xxxxxx provided. Finding resolved - Due Diligence Vendor-08/18/2025 | On time mortgage history exceeds guideline requirement - Borrs 58mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br> Qualifying DTI below maximum allowed - Borr DTI 27.10%. Per guides, maximum DTI 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839569 | xxxxxx D B A | Closed | xxxxxx | 2025-08-08 10:03 | 2025-08-08 10:03 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/08/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/08/2025 | On time mortgage history exceeds guideline requirement - Borrs 58mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br> Qualifying DTI below maximum allowed - Borr DTI 27.10%. Per guides, maximum DTI 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 839597 | xxxxxx D B A | Closed | xxxxxx | 2025-07-09 12:37 | 2025-07-16 09:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received application reflecting purpose of cash proceeds. - Due Diligence Vendor-07/16/2025 <br> Open-Missing Lox for purpose of cash out. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received application reflecting purpose of cash proceeds. - Due Diligence Vendor-07/16/2025 | On time mortgage history exceeds guideline requirement - On time mortgage history 43 months exceeds guideline requirement<br> Months Reserves exceed minimum required - 22.75 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839597 | xxxxxx D B A | Closed | xxxxxx | 2025-07-09 12:48 | 2025-07-16 09:29 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received UW summary and narrative. - Due Diligence Vendor-07/16/2025 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-07/09/2025 |  | Resolved-Received UW summary and narrative. - Due Diligence Vendor-07/16/2025 | On time mortgage history exceeds guideline requirement - On time mortgage history 43 months exceeds guideline requirement<br> Months Reserves exceed minimum required - 22.75 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839597 | xxxxxx D B A | Closed | xxxxxx | 2025-07-09 12:29 | 2025-07-10 09:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted to allow for - Borrower does not own a primary residence; lives rent free with parents. Non-material waiver applied to finding with compensating factors.<br> Borrower is an Experienced Investor. - Due Diligence Vendor-07/10/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- Living rent free Missing Letter of living rent free.<br> Lender exception- the borrower lives rent free with their parents and does not own a primary residence; therefore would like to confirm if we can move this deal to xxxxxx. - Due Diligence Vendor-07/09/2025 |  | Waived-Client exception granted to allow for - Borrower does not own a primary residence; lives rent free with parents. Non-material waiver applied to finding with compensating factors.<br> Borrower is an Experienced Investor. - Due Diligence Vendor-07/10/2025 | On time mortgage history exceeds guideline requirement - On time mortgage history 43 months exceeds guideline requirement<br> Months Reserves exceed minimum required - 22.75 months PITIA reserves; 6 months reserves required. | Credit score 10 points over minimum required.<br> Experienced investor owns and manages 2 or more properties for 12 months. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 839613 | xxxxxx D B A | Closed | xxxxxx | 2025-07-31 05:54 | 2025-08-08 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Award Letter | Resolved-Received confirmation benefit letter was considered for validation of lifetime benefit-bank statements support recent receipt. - Due Diligence Vendor-08/08/2025 <br> Open-B1 - Missing updated Pension letter statement- the one provided pg 424 is from 6/2021 and only one year of 1099 provided.<br> - Due Diligence Vendor-07/31/2025 |  | Resolved-Received confirmation benefit letter was considered for validation of lifetime benefit-bank statements support recent receipt. - Due Diligence Vendor-08/08/2025 | LTV is less than guideline maximum - LTV 70% max 85%.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 804 ; minimum score 680. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839613 | xxxxxx D B A | Closed | xxxxxx | 2025-07-30 20:18 | 2025-07-31 11:58 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Insurance will cover all litigation - Due Diligence Vendor-07/31/2025 <br> Open-3 Pending Litigations:<br>The case involves an allegation that the plaintiff xxxxxx (Pg1662) xxxxxx The lawsuit is against the HOA, it is Minor, and the lawsuit does not relate to the building's safety, structural or functionality. There was no amount disclosed in the lawsuit, and the lawsuit is covered by insurance (page 1660).<br>The case involves an allegation that the plaintiff xxxxxx (Pg1673) claiming that mutual breached the governing documents by not granting membership and not allowing him to lease the subject unit. The lawsuit is against the HOA, it is Minor, and the lawsuit does not relate to the building's safety, structural or functionality. There was no amount disclosed in the lawsuit, and the lawsuit is covered by insurance.<br>The case involves an allegation that the plaintiff xxxxxx (Pg1718 & 1739) this case involves several allegations surrounding and alleged wrongful termination of lease and occupancy of rental unit. (pg1716) and the lawsuit is against the HOA, it is Minor, and the lawsuit does not relate to the building's safety, structural or functionality. There was no amount disclosed in the lawsuit, and the lawsuit is covered by insurance.<br> - Due Diligence Vendor-07/31/2025 |  | Resolved-Insurance will cover all litigation - Due Diligence Vendor-07/31/2025 | LTV is less than guideline maximum - LTV 70% max 85%.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 804 ; minimum score 680. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839613 | xxxxxx D B A | Closed | xxxxxx | 2025-07-31 11:25 | 2025-07-31 11:57 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Waived-Client exception granted to allow insufficient master policy coverage. Non-material waiver applied with comp factors. Deemed non-material with comp factors. Borrower carries separate HOI coverage in addition to master coverage. - Due Diligence Vendor-09/11/2025 <br> Open-Condo Master Insurance Policy Partially Provided Insufficient coverage for # of units on Master Policy - Due Diligence Vendor-07/31/2025 |  | Waived-Client exception granted to allow insufficient master policy coverage. Non-material waiver applied with comp factors. Deemed non-material with comp factors. Borrower carries separate HOI coverage in addition to master coverage. - Due Diligence Vendor-09/11/2025 | LTV is less than guideline maximum - LTV 70% max 85%.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 804 ; minimum score 680. | credit score 10+points >minimum required 680 fico 804.<br> LTV 5% or more below the maximum allowed under guidelines.<br> Owned current primary 44 yrs. >2 yrs 0x30x54 on all mtgs. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839664 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 839685 | xxxxxx C B A | Closed | xxxxxx | 2025-08-03 09:20 | 2025-08-04 12:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted to allow 85% LTV for a borrower living rent free, Non-materialwaiver applied with comp factors. non-material due to excellent credit history. - Due Diligence Vendor-08/04/2025 <br> Open-Audited LTV of 85% exceeds Guideline LTV of 80% Lender granted exception to 85% for borrower living rent free - Due Diligence Vendor-08/03/2025 |  | Waived-Client exception granted to allow 85% LTV for a borrower living rent free, Non-materialwaiver applied with comp factors. non-material due to excellent credit history. - Due Diligence Vendor-08/04/2025 | Months Reserves exceed minimum required - Qualifying Total Reserves 33 months are higher than 6 months required <br> Qualifying DTI below maximum allowed - Qualifying Total Debt 36.29% is lower than 50% max allowed | Credit Score 30+ points > minimum required<br> DTI <= 36% which is below requirement in guidelines<br> Residual income more than 2.5x the amount required by guidelines<br> Reserves exceed requirement by 10 months or more | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839687 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-30 11:24 | 2025-08-22 08:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | Second Home Rider is Missing | Resolved-Received Letter of Intent and Second Home Rider. Finding resolved. - Due Diligence Vendor-08/22/2025 <br> Open-Second Home Rider is Missing Missing 2nd home rider. - Due Diligence Vendor-06/30/2025 |  | Resolved-Received Letter of Intent and Second Home Rider. Finding resolved. - Due Diligence Vendor-08/22/2025 | CLTV is less than guidelines maximum - CLTV = 59.15% - Max CLTV = 85%<br> Qualifying FICO score is at least 20 points above minimum for program - FICO = 725 Min FICO = 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839687 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-07 19:43 | 2025-08-14 10:42 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Received 1st Lien Note. - Due Diligence Vendor-08/14/2025 <br> Open-File is missing Original Note for 1st Mortgage - Due Diligence Vendor-07/07/2025 |  | Resolved-Received 1st Lien Note. - Due Diligence Vendor-08/14/2025 | CLTV is less than guidelines maximum - CLTV = 59.15% - Max CLTV = 85%<br> Qualifying FICO score is at least 20 points above minimum for program - FICO = 725 Min FICO = 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839687 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-30 11:47 | 2025-08-14 07:58 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured-Received copy of check in the amount of $172.25, PCCD xxxxxx, LOE and evidence of delivery. Finding cured - Due Diligence Vendor-08/14/2025 <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% ($29.75) exceed the comparable charges ($25.00) 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 $2.25 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 $2.25, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-06/30/2025 |  | Cured-Received copy of check in the amount of $172.25, PCCD xxxxxx, LOE and evidence of delivery. Finding cured - Due Diligence Vendor-08/14/2025 | CLTV is less than guidelines maximum - CLTV = 59.15% - Max CLTV = 85%<br> Qualifying FICO score is at least 20 points above minimum for program - FICO = 725 Min FICO = 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839687 | xxxxxx D B C A | Closed | xxxxxx | 2025-06-30 11:47 | 2025-08-14 07:56 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received copy of check in the amount of $172.25, PCCD xxxxxx, LOE and evidence of delivery. Finding cured - Due Diligence Vendor-08/14/2025 <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 $170.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $170 (Loan Origination Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $170, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-06/30/2025 |  | Cured-Received copy of check in the amount of $172.25, PCCD xxxxxx, LOE and evidence of delivery. Finding cured - Due Diligence Vendor-08/14/2025 | CLTV is less than guidelines maximum - CLTV = 59.15% - Max CLTV = 85%<br> Qualifying FICO score is at least 20 points above minimum for program - FICO = 725 Min FICO = 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839687 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-07 20:17 | 2025-08-06 09:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Upon further review, the loan file contained documentation to support xxxxxx is paid by the borrowers spouse. Audited DTI of 32.05% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/06/2025 <br> Open-Audited DTI of 64.9% exceeds Guideline DTI of 50% Appears Lender did not count PITIA /Net Rental Loos for REO xxxxxx - Due Diligence Vendor-07/08/2025 |  | Resolved-Upon further review, the loan file contained documentation to support xxxxxx is paid by the borrowers spouse. Audited DTI of 32.05% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/06/2025 | CLTV is less than guidelines maximum - CLTV = 59.15% - Max CLTV = 85%<br> Qualifying FICO score is at least 20 points above minimum for program - FICO = 725 Min FICO = 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839687 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-07 20:14 | 2025-08-06 09:57 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Upon further review, the loan file contained documentation to support xxxxxx is paid by the borrowers spouse - Due Diligence Vendor-08/06/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds allowables - Due Diligence Vendor-07/08/2025 |  | Resolved-Upon further review, the loan file contained documentation to support xxxxxx is paid by the borrowers spouse - Due Diligence Vendor-08/06/2025 | CLTV is less than guidelines maximum - CLTV = 59.15% - Max CLTV = 85%<br> Qualifying FICO score is at least 20 points above minimum for program - FICO = 725 Min FICO = 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839699 | xxxxxx C A | Closed | xxxxxx | 2025-06-25 09:16 | 2025-07-09 17:05 | Resolved | 1 - Information A | Credit | Eligibility | Negative Liquid Funds Post Close | Resolved-Proof the funds were sent directly to the title company provided. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Foreign funds do not need to be in a xxxxxx account they can be transferred directly to the title company. We need proof from the title company they received the funds and the account we have in our loan package must match the account the funds were wired to the title company. The only thing that must be in a xxxxxx account are the reserves. They can open an account and transfer the funds to that account without it being a full 30 day account. - Seller-07/09/2025 <br> Open-Negative Liquid Funds Post Close please review. Short liquid assets due to funds for closing being wired to title directly and these are foreign funds which would need to be transferred to xxxxxx acct. - Due Diligence Vendor-06/25/2025 | Ready for Review-Foreign funds do not need to be in a xxxxxx account they can be transferred directly to the title company. We need proof from the title company they received the funds and the account we have in our loan package must match the account the funds were wired to the title company. The only thing that must be in a xxxxxx account are the reserves. They can open an account and transfer the funds to that account without it being a full 30 day account. - Seller-07/09/2025 | Resolved-Proof the funds were sent directly to the title company provided. - Due Diligence Vendor-07/09/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.76 minimum DSCR 0.00.<br> Months Reserves exceed minimum required - 62.48 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839699 | xxxxxx C A | Closed | xxxxxx | 2025-06-25 09:16 | 2025-07-09 16:59 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Guides for foreign allow funds to be transferred to a xxxxxx domiciled acct with 10 days of closing. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-funds transferred to a xxxxxx Account do not require a 30 day account statement. They can open an account and deposit funds in the account. - Seller-07/09/2025 <br> Counter-Documentation received is insufficient-assets to meet guidelines 9.2- covering one month period. Original finding remains. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Our guidelines do not state they have to be a full month account - the xxxxxx account was opened 05/16/25 - this is an acceptable source of funds account. - Seller-06/27/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing statement covering a 1-month period for xxxxxx. Statement from account opening on 05/16/2025 to 06/05/2025 provided. Additional findings may apply<br> - Due Diligence Vendor-06/25/2025 | Ready for Review-funds transferred to a xxxxxx Account do not require a 30 day account statement. They can open an account and deposit funds in the account. - Seller-07/09/2025 <br> Ready for Review-Our guidelines do not state they have to be a full month account - the xxxxxx account was opened 05/16/25 - this is an acceptable source of funds account. - Seller-06/27/2025 | Resolved-Guides for foreign allow funds to be transferred to a xxxxxx domiciled acct with 10 days of closing. - Due Diligence Vendor-07/09/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.76 minimum DSCR 0.00.<br> Months Reserves exceed minimum required - 62.48 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839706 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839735 | xxxxxx D A | Closed | xxxxxx | 2025-07-01 14:14 | 2025-07-14 09:32 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-07/14/2025 <br> Open-Additional valuation product has not been provided. CU and LCA no score. No additional valuation product was noted. - Due Diligence Vendor-07/01/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-07/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - 801 vs. min FICO 680<br> DSCR =/> 1.00 and minimum is 0.85 or Less - 1.247 DSCR with .75 min<br> Months Reserves exceed minimum required - 34 months vs. 2 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839737 | xxxxxx D A | Closed | xxxxxx | 2025-07-16 14:37 | 2025-07-22 08:57 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received 2nd lien final settlement statement reflecting sufficient reserves. - Due Diligence Vendor-07/22/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) all assets were from a 1031 exchange account which are no eligible to be used as reserves per guides - Due Diligence Vendor-07/16/2025 |  | Resolved-Received 2nd lien final settlement statement reflecting sufficient reserves. - Due Diligence Vendor-07/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO 700 borrower 778<br> CLTV is less than guidelines maximum - 75% CLTV loan has 65% CLTV |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839737 | xxxxxx D A | Closed | xxxxxx | 2025-07-14 16:30 | 2025-07-22 08:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Received IEAD - Due Diligence Vendor-07/22/2025 <br> Open-missing initial escrow account disclosure - Due Diligence Vendor-07/14/2025 |  | Resolved-Received IEAD - Due Diligence Vendor-07/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO 700 borrower 778<br> CLTV is less than guidelines maximum - 75% CLTV loan has 65% CLTV |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839750 | xxxxxx B A | Closed | xxxxxx | 2025-07-07 08:10 | 2025-07-07 10:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-07/07/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Housing history for the DSCR Doc type is required for the borrower's primary residence. \*\* Borrowers are currently living rent free with no primary housing history. - Due Diligence Vendor-07/07/2025 |  | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-07/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 795; guidelines require 700. <br>Months Reserves exceed minimum required - 34 months reserves; 2 months reserves required. | 1. 34 months reserves; 2 months reserves required. 2. Qualifying FICO score 762; guidelines require 700. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839778 | xxxxxx D A C | Closed | xxxxxx | 2025-07-02 13:15 | 2025-07-16 10:20 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Document Uploaded. Recorded mortgage provided. - Due Diligence Vendor-07/16/2025 <br> Counter-Please provide confirmation or evidence corrected security instrument sent for recording. - Due Diligence Vendor-07/14/2025 <br> Counter-Received correct security instrument-notary date is same as incorrect-confirm correct security instrument sent to recording. - Due Diligence Vendor-07/09/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. DOT lists borrower is listed as "xxxxxx".<br> However, NOTE and all other documents in file state borrower as "xxxxxx" - Due Diligence Vendor-07/02/2025 |  | Resolved-Document Uploaded. Recorded mortgage provided. - Due Diligence Vendor-07/16/2025 | LTV is less than guideline maximum - 46.36% LTV vs. max LTV 75%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.296<br>Months Reserves exceed minimum required - > 114 months available vs. 2 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 760 vs. min FICO 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839778 | xxxxxx D A C | Closed | xxxxxx | 2025-07-07 14:09 | 2025-07-09 10:54 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-07/09/2025 <br> Open-Missing desk review or equivalent to support value - Due Diligence Vendor-07/07/2025 |  | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-07/09/2025<br>| LTV is less than guideline maximum - 46.36% LTV vs. max LTV 75%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.296<br>Months Reserves exceed minimum required - > 114 months available vs. 2 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 760 vs. min FICO 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839796 | xxxxxx D B A | Closed | xxxxxx | 2025-06-25 11:21 | 2025-09-10 08:44 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-rule action - false - Due Diligence Vendor-09/10/2025 <br> Resolved-Received confirmation Note Addendum removed. No prepay. - Due Diligence Vendor-08/19/2025 <br> Counter-Received correct security instrument and confirmation of no prepay-Note received reflects prepay addendum-please provide correct Note. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Loan did not record with prepayment rider. Loan does not have prepayment penalty. - Seller-07/11/2025 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '0' Diligence value '12'. prepayment on file - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. Loan did not record with prepayment rider. Loan does not have prepayment penalty. - Seller-07/11/2025 | Resolved-rule action - false - Due Diligence Vendor-09/10/2025 <br> Resolved-Received confirmation Note Addendum removed. No prepay. - Due Diligence Vendor-08/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - 788 vs. min FICO 700<br>Months Reserves exceed minimum required - 15.31 mos reserves; 2 mos required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839796 | xxxxxx D B A | Closed | xxxxxx | 2025-08-19 10:05 | 2025-08-21 14:03 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Guaranty Agreement Missing | Waived-Client waiver applied to non-material finding. - Due Diligence Vendor-09/10/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Partial'. \*New\* received Note executed by LLC. Missing Personal Guaranty executed by individual. - Due Diligence Vendor-08/19/2025 |  | Waived-Client waiver applied to non-material finding. - Due Diligence Vendor-09/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - 788 vs. min FICO 700<br>Months Reserves exceed minimum required - 15.31 mos reserves; 2 mos required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 839796 | xxxxxx D B A | Closed | xxxxxx | 2025-06-26 17:02 | 2025-08-19 10:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received Note executed by business entity. - Due Diligence Vendor-08/19/2025 <br> Open-Settlement Statement is signed by a business entity when Note and Deed are signed as individual<br> - Due Diligence Vendor-06/26/2025 |  | Resolved-Received Note executed by business entity. - Due Diligence Vendor-08/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - 788 vs. min FICO 700<br>Months Reserves exceed minimum required - 15.31 mos reserves; 2 mos required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839796 | xxxxxx D B A | Closed | xxxxxx | 2025-06-26 14:18 | 2025-08-19 10:06 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received revised Note reflecting business entity. - Due Diligence Vendor-08/19/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Purchase contract needs to be in the name of the Individual borrower - Due Diligence Vendor-06/26/2025 |  | Resolved-Received revised Note reflecting business entity. - Due Diligence Vendor-08/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 788 vs. min FICO 700<br>Months Reserves exceed minimum required - 15.31 mos reserves; 2 mos required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839796 | xxxxxx D B A | Closed | xxxxxx | 2025-06-26 16:51 | 2025-08-19 10:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/11/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing The Business Purpose Affidavit Disclosure is missing the borrower's signature - Due Diligence Vendor-06/26/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 788 vs. min FICO 700<br>Months Reserves exceed minimum required - 15.31 mos reserves; 2 mos required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839799 | xxxxxx D A C | Closed | xxxxxx | 2025-06-10 10:43 | 2025-06-25 09:57 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received fraud report with Seller included. - Due Diligence Vendor-06/25/2025 <br> Counter-The seller must be included in the fraud report - Due Diligence Vendor-06/20/2025 <br> Open-OFAC Check Not Completed and/or Cleared Per the guidelines the property seller must be incouded in the fraud report. The exclusionary list does not list the property seller. - Due Diligence Vendor-06/10/2025 |  | Resolved-Received fraud report with Seller included. - Due Diligence Vendor-06/25/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 18.87 months, guidelines require 2 months.<br>LTV is less than guideline maximum - The calculated LTV is 70%, guideline maximum is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 768, guideline minimum is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839799 | xxxxxx D A C | Closed | xxxxxx | 2025-06-10 11:06 | 2025-06-20 10:45 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-After further review, this document is not required. - Due Diligence Vendor-06/20/2025 <br> Open-Missing the default rate addendum to the note. - Due Diligence Vendor-06/10/2025 |  | Resolved-After further review, this document is not required. - Due Diligence Vendor-06/20/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 18.87 months, guidelines require 2 months.<br>LTV is less than guideline maximum - The calculated LTV is 70%, guideline maximum is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 768, guideline minimum is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839799 | xxxxxx D A C | Closed | xxxxxx | 2025-06-10 10:53 | 2025-06-20 10:41 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-ACH form not required per xxxxxx guides. - Due Diligence Vendor-06/20/2025 <br> Open-Foreign National but the ACH form is Missing from file. Missing the required ACH form required for the borrower. - Due Diligence Vendor-06/10/2025 |  | Resolved-ACH form not required per xxxxxx guides. - Due Diligence Vendor-06/20/2025 | Months Reserves exceed minimum required - Verified reserves equal 18.87 months, guidelines require 2 months.<br>LTV is less than guideline maximum - The calculated LTV is 70%, guideline maximum is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 768, guideline minimum is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839799 | xxxxxx D A C | Closed | xxxxxx | 2025-06-10 17:02 | 2025-06-20 10:36 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-After further review, the xxxxxx guidelines allow a prepay in xxxxxx. - Due Diligence Vendor-06/20/2025 <br> Counter-Prepayment penalties are not allowed per guidelines 2.4.7. Original finding remains. - Due Diligence Vendor-06/18/2025 <br> Open-Prepayment Penalty is not allowed. Subject Property is xxxxxx-Unit SFR - Prepayment penalties are not allowed in xxxxxx, and xxxxxx - Restrictions do not apply to DSCR xxxxxx Units/xxxxxx Mixed Use properties - Due Diligence Vendor-06/10/2025 |  | Resolved-After further review, the xxxxxx guidelines allow a prepay in xxxxxx. - Due Diligence Vendor-06/20/2025 | Months Reserves exceed minimum required - Verified reserves equal 18.87 months, guidelines require 2 months.<br>LTV is less than guideline maximum - The calculated LTV is 70%, guideline maximum is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 768, guideline minimum is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839799 | xxxxxx D A C | Closed | xxxxxx | 2025-06-10 16:47 | 2025-06-20 10:35 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-After further review, the xxxxxx guidelines do not have this requirement. - Due Diligence Vendor-06/20/2025 <br> Counter-Documentation received is insufficient-Housing History 2.8.2.3 - housing history required for borrower's primary residence. Finding remains. - Due Diligence Vendor-06/18/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. VOR is Private - Any VOR completed by a private party, or any non-institutional landlord must be supported by alternative documentation showing the most recent 6-month history (cancelled checks, rental statements including payment history, etc. - Due Diligence Vendor-06/10/2025 |  | Resolved-After further review, the xxxxxx guidelines do not have this requirement. - Due Diligence Vendor-06/20/2025 | Months Reserves exceed minimum required - Verified reserves equal 18.87 months, guidelines require 2 months.<br>LTV is less than guideline maximum - The calculated LTV is 70%, guideline maximum is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 768, guideline minimum is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839799 | xxxxxx D A C | Closed | xxxxxx | 2025-06-10 09:39 | 2025-06-20 10:34 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-After further review, the guidelines for xxxxxx allow FTHB. - Due Diligence Vendor-06/20/2025 <br> Counter-First Time Homebuyer is not allowed per program guidelines 2.8.1.2. Original finding remains. - Due Diligence Vendor-06/18/2025 <br> Open-Subject is a DSCR loan. Borrower is a first time homebuyer, per the guidelines first time homebuyers are not allowed as first time investors under the DSCR program. - Due Diligence Vendor-06/10/2025 |  | Resolved-After further review, the guidelines for xxxxxx allow FTHB. - Due Diligence Vendor-06/20/2025 | Months Reserves exceed minimum required - Verified reserves equal 18.87 months, guidelines require 2 months.<br>LTV is less than guideline maximum - The calculated LTV is 70%, guideline maximum is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 768, guideline minimum is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839799 | xxxxxx D A C | Closed | xxxxxx | 2025-06-10 09:58 | 2025-06-18 14:01 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-06/18/2025 <br> Open-Additional valuation product has not been provided. Per the guidelines an appraisal review is required, missing the required appraisal review product required by the guidelines. - Due Diligence Vendor-06/10/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-06/18/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 18.87 months, guidelines require 2 months.<br>LTV is less than guideline maximum - The calculated LTV is 70%, guideline maximum is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 768, guideline minimum is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839816 | xxxxxx C A | Closed | xxxxxx | 2025-07-08 12:47 | 2025-07-17 15:35 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received documentation to support the zoning change. No longer agricultural. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Per purchase contract the subject is xxxxxx zoned. Per guideline section 10.9, Agricultural properties are NOT eligible. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Received documentation to support the zoning change. No longer agricultural. - Due Diligence Vendor-07/17/2025 | Long term residence - Borrower own primary residence from the past 20 years.<br>Months Reserves exceed minimum required - 32.39 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839816 | xxxxxx C A | Closed | xxxxxx | 2025-07-08 12:52 | 2025-07-17 15:35 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received documentation to support the zoning change. No longer agricultural.<br> - Due Diligence Vendor-07/17/2025 <br> Open-purchase contract and title both show deed restrictions for being xxxxxx zoned but appraisal does not reflect; appraiser to correct/comment and note which comps share similar zoning. - Due Diligence Vendor-07/08/2025 |  | Resolved-Received documentation to support the zoning change. No longer agricultural.<br> - Due Diligence Vendor-07/17/2025 | Long term residence - Borrower own primary residence from the past 20 years.<br>Months Reserves exceed minimum required - 32.39 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839816 | xxxxxx C A | Closed | xxxxxx | 2025-07-08 12:49 | 2025-07-17 15:33 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Property | Resolved-Received documentation to support the zoning change. No longer agricultural. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-The property is xxxxxx - the land was xxxxxx. Per the county the property is no longer an agricultural. See the appraisal for details. - Seller-07/11/2025 <br> Open-Per purchase contract the subject is xxxxxx zoned. Per guideline section 10.9, Agricultural properties are NOT eligible. - Due Diligence Vendor-07/08/2025 | Ready for Review-The property is xxxxxx - the land was xxxxxx. Per the county the property is no longer an xxxxxx. See the appraisal for details. - Seller-07/11/2025 | Resolved-Received documentation to support the zoning change. No longer agricultural. - Due Diligence Vendor-07/17/2025 | Long term residence - Borrower own primary residence from the past 20 years.<br>Months Reserves exceed minimum required - 32.39 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839867 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839895 | xxxxxx D A | Closed | xxxxxx | 2025-07-16 10:20 | 2025-07-18 10:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-07/18/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-07/16/2025 |  | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-07/18/2025 | LTV is less than guideline maximum - LTV 52% LTV. Allowed 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 752; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839912 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839943 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839956 | xxxxxx D A | Closed | xxxxxx | 2025-07-09 15:00 | 2025-07-22 08:19 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-After further review, the notary can be a witness. - Due Diligence Vendor-07/22/2025 <br> Counter-Documentation received is insufficient-1 witness required in state of xxxxxx. - Due Diligence Vendor-07/16/2025 <br> Open-Missing at least one witness signature. Notary can be 2nd witness. - Due Diligence Vendor-07/09/2025 |  | Resolved-After further review, the notary can be a witness. - Due Diligence Vendor-07/22/2025<br>| Months Reserves exceed minimum required - > 5 available vs. 0 required<br>LTV is less than guideline maximum - 65% LTV vs. 70% LTV available |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839956 | xxxxxx D A | Closed | xxxxxx | 2025-07-09 14:24 | 2025-07-14 09:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-07/14/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Guides require the BP Affidavit as well as the Occupancy Affidavit. Only the Business Purpose Affidavit is missing. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-07/14/2025<br>| Months Reserves exceed minimum required - > 5 available vs. 0 required<br>LTV is less than guideline maximum - 65% LTV vs. 70% LTV available |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839956 | xxxxxx D A | Closed | xxxxxx | 2025-07-09 14:59 | 2025-07-14 09:58 | Resolved | 1 - Information C A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-Received xxxxxx FN affidavit - Due Diligence Vendor-07/14/2025 <br> Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. Missing - Due Diligence Vendor-07/09/2025 |  | Resolved-Received xxxxxx FN affidavit - Due Diligence Vendor-07/14/2025 | Months Reserves exceed minimum required - > 5 available vs. 0 required<br>LTV is less than guideline maximum - 65% LTV vs. 70% LTV available |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839956 | xxxxxx D A | Closed | xxxxxx | 2025-07-09 14:59 | 2025-07-14 09:58 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received fully executed ACH form. - Due Diligence Vendor-07/14/2025 <br> Open-Foreign National but the ACH form is Missing from file. Missing - Due Diligence Vendor-07/09/2025 |  | Resolved-Received fully executed ACH form. - Due Diligence Vendor-07/14/2025<br>| Months Reserves exceed minimum required - > 5 available vs. 0 required<br>LTV is less than guideline maximum - 65% LTV vs. 70% LTV available |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840016 | xxxxxx C A | Closed | xxxxxx | 2025-06-24 12:56 | 2025-07-07 11:11 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-07/07/2025 <br> Open-xxxxxx<br> Incident Period: xxxxxx<br> Major Disaster Declaration declared on xxxxxx<br> xxxxxx<br> Incident Period: xxxxxx<br> Major Disaster Declaration declared on xxxxxx<br> - Due Diligence Vendor-06/24/2025 |  | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-07/07/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - 1.502<br>Months Reserves exceed minimum required - 95 months available vs. 2 required<br>Qualifying FICO score is at least 20 points above minimum for program - 726 vs. min 640<br>LTV is less than guideline maximum - > 69% vs. max LTV 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840032 | xxxxxx D A | Closed | xxxxxx | 2025-07-12 09:00 | 2025-07-23 09:01 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-07/23/2025 <br> Open-Additional valuation product has not been provided. - Missing 2nd review: Missing CDA desk review of xxxxxx CU/LCA 2.5 or less. - Due Diligence Vendor-07/12/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-07/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 744; minimum score 640. <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.878% minimum DSCR 0.75. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840045 | xxxxxx C B A | Closed | xxxxxx | 2025-07-08 15:33 | 2025-08-04 10:20 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Cured by PCCD issued xxxxxx with all required docs and refund check in the amount of $355. - Due Diligence Vendor-08/04/2025 <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 $355.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $355 (Application 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 $355, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-07/08/2025 |  | Cured-Cured by PCCD issued xxxxxx with all required docs and refund check in the amount of $355. - Due Diligence Vendor-08/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 766<br>CLTV is less than guidelines maximum - CLTV is 5%> below the requirements- Borrower CLTV is 80%, max is 85% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840045 | xxxxxx C B A | Closed | xxxxxx | 2025-07-10 09:25 | 2025-07-10 16:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Deemed non material as modification/balloon deferment was due to Covid, Client exception granted and in file, waiver applied with comp factors.<br> - Due Diligence Vendor-07/10/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Exception Request: Allow 1st mortgage with balloon payment (du e2048) that has 2nd principal balance modified (12/2020) with deferred balance ($17587.68) when modification from original terms, deferred balances, and balloon notes ineligible. - Due Diligence Vendor-07/10/2025 |  | Waived-Deemed non material as modification/balloon deferment was due to Covid, Client exception granted and in file, waiver applied with comp factors.<br> - Due Diligence Vendor-07/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 766<br>CLTV is less than guidelines maximum - CLTV is 5%> below the requirements- Borrower CLTV is 80%, max is 85% | - Self employed for > 2 years<br> - LTV/ CLTV 5% or more below the maximum allowed under applicable guidelines. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 840045 | xxxxxx C B A | Closed | xxxxxx | 2025-07-08 15:16 | 2025-07-08 15:16 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-07/08/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-07/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 766<br>CLTV is less than guidelines maximum - CLTV is 5%> below the requirements- Borrower CLTV is 80%, max is 85% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 840057 | xxxxxx C A | Closed | xxxxxx | 2025-07-09 10:49 | 2025-07-14 12:01 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Open-Foreign National but the ACH form is Missing from file. Missing ACH form. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Received ACH. - Due Diligence Vendor-07/14/2025 | LTV is less than guideline maximum - LTV 75% LTV. Allowed 80%.<br>DSCR % greater than 1.20 - DSCR is 1.25. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840057 | xxxxxx C A | Closed | xxxxxx | 2025-07-09 09:50 | 2025-07-14 11:58 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. last page 24 for legal description xxxxxx ;) - Seller-07/10/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. last page 24 for legal description xxxxxx ;) - Seller-07/10/2025 | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/14/2025 | LTV is less than guideline maximum - LTV 75% LTV. Allowed 80%.<br>DSCR % greater than 1.20 - DSCR is 1.25. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840069 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840076 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840168 | xxxxxx C A | Closed | xxxxxx | 2025-08-11 10:43 | 2025-08-15 14:44 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage with 1-4 Family Rider attached provided - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. - Seller-08/15/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ---- MISSING 1-4 FAMILY RIDER - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-08/15/2025<br>| Resolved-Mortgage with 1-4 Family Rider attached provided - Due Diligence Vendor-08/15/2025 | Qualifying DTI below maximum allowed - DTI = 26.33% - Max DTI = 50.00%<br>Qualifying FICO score is at least 20 points above minimum for program - <br> FICO = 777 Min FICO = 660<br>|  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840168 | xxxxxx C A | Closed | xxxxxx | 2025-08-15 09:38 | 2025-08-15 14:43 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Correct Tape uploaded - 36 Month Prepayment matches - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. - Seller-08/15/2025 <br> Open-Tape data shows prepayment of "0". Loan docs confirm 3 year prepayment - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. - Seller-08/15/2025<br>| Resolved-Correct Tape uploaded - 36 Month Prepayment matches - Due Diligence Vendor-08/15/2025 | Qualifying DTI below maximum allowed - DTI = 26.33% - Max DTI = 50.00%<br>Qualifying FICO score is at least 20 points above minimum for program - <br> FICO = 777 Min FICO = 660<br>|  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840181 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840213 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840216 | xxxxxx D A | Closed | xxxxxx | 2025-07-30 15:42 | 2025-08-22 09:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received lien search. - Due Diligence Vendor-08/22/2025 <br> Counter-Received confirmation no preliminary title as subject is xxxxxx. Missing lien search. - Due Diligence Vendor-08/12/2025 <br> Open-Title Document is missing - Missing Title Document - Due Diligence Vendor-07/31/2025 |  | Resolved-Received lien search. - Due Diligence Vendor-08/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - 710 vs. min FICO 680<br>Months Reserves exceed minimum required - > 38 months vs. 3 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840216 | xxxxxx D A | Closed | xxxxxx | 2025-07-30 16:16 | 2025-07-31 16:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-After further review, the gap credit is not required. - Due Diligence Vendor-07/31/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-07/31/2025 |  | Resolved-After further review, the gap credit is not required. - Due Diligence Vendor-07/31/2025 | Qualifying FICO score is at least 20 points above minimum for program - 710 vs. min FICO 680<br>Months Reserves exceed minimum required - > 38 months vs. 3 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840252 | xxxxxx B A | Closed | xxxxxx | 2025-07-31 17:52 | 2025-09-09 20:22 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/31/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/31/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 737; minimum score 680.<br>LTV is less than guideline maximum - LTV 77.37% max 85%. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 840268 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840293 | xxxxxx D A C | Closed | xxxxxx | 2025-07-30 13:34 | 2025-08-11 08:57 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received COC dated xxxxxx for increase in recording fee. Finding resolved. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. - Seller-08/08/2025 <br> Counter-Rec'd COCs issued xxxxxx & xxxxxx. Increase took place on CD issued xxxxxx. Please provide COC for increase in recording fee. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <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% ($1,355.00) exceed the comparable charges ($488.00) 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 $818.20 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 $818.20, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of limitations is 3 years xxxxxx.<br> - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025 <br>Ready for Review-Document Uploaded. - Seller-08/05/2025<br>| Resolved-Received COC dated xxxxxx for increase in recording fee. Finding resolved. - Due Diligence Vendor-08/11/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Over $5K/month<br>LTV is less than guideline maximum - 65% < 75% allowed |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840293 | xxxxxx D A C | Closed | xxxxxx | 2025-07-30 13:34 | 2025-08-05 13:48 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Rec'd COC. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($3,792.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $3,792 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $3,792, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx.<br>- Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025<br>| Resolved-Rec'd COC. - Due Diligence Vendor-08/05/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Over $5K/month<br>LTV is less than guideline maximum - 65% < 75% allowed |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840293 | xxxxxx D A C | Closed | xxxxxx | 2025-07-30 13:34 | 2025-08-05 13:48 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd COC - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <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 $2,428.45.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 $2,428.45 (Points - Loan Discount Fee / Mortgage Broker 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 $2,428.45, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations is 3 years xxxxxx. There is a coc in file, but as the LE is not signed and there is no proof in file that borrower received it.<br> - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025<br>| Resolved-Rec'd COC - Due Diligence Vendor-08/05/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Over $5K/month<br>LTV is less than guideline maximum - 65% < 75% allowed |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840293 | xxxxxx D A C | Closed | xxxxxx | 2025-08-04 14:06 | 2025-08-05 11:47 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Appraiser confirms in the appraisal report the property included a xxxxxx. - Due Diligence Vendor-08/05/2025 <br> Open-xxxxxx - Due Diligence Vendor-08/04/2025 |  | Resolved-Appraiser confirms in the appraisal report the property included a xxxxxx. - Due Diligence Vendor-08/05/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Over $5K/month<br>LTV is less than guideline maximum - 65% < 75% allowed |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840293 | xxxxxx D A C | Closed | xxxxxx | 2025-08-04 14:23 | 2025-08-05 11:42 | Resolved | 1 - Information D 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-08/05/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Binder only provided, missing actual policy with policy number and annual premium amount/12 does not match monthly escrow on CD. - Due Diligence Vendor-08/04/2025 |  | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-08/05/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Over $5K/month<br>LTV is less than guideline maximum - 65% < 75% allowed |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840386 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840427 | xxxxxx D A | Closed | xxxxxx | 2025-07-01 13:07 | 2025-07-07 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received property tax cert. - Due Diligence Vendor-07/07/2025 <br> Open-Missing Evidence of Property Tax Audit used Lender's xxxxxx/month - Due Diligence Vendor-07/01/2025 |  | Resolved-Received property tax cert. - Due Diligence Vendor-07/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - 689 vs. min FICO of 660<br>Months Reserves exceed minimum required - 33 months available vs. 2 required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.388 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840445 | xxxxxx D A | Closed | xxxxxx | 2025-07-28 10:12 | 2025-08-04 09:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received signed, dated complete tax preparer letter confirming business dates and percentage of ownership. - Due Diligence Vendor-08/04/2025 <br> Counter-Received Enrolled Agent letter confirming ownership and business inception-letter is not signed nor references the name of the business. - Due Diligence Vendor-07/31/2025 <br> Open-Borrower 1 CPA Letter Missing Missing the CPA letter or other documentation that supports ownership percentage and how long the business has been open - Due Diligence Vendor-07/28/2025 |  | Resolved-Received signed, dated complete tax preparer letter confirming business dates and percentage of ownership. - Due Diligence Vendor-08/04/2025 | LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying DTI below maximum allowed - DTI 32.80% is lower than allowable 50%<br>Months Reserves exceed minimum required - 48.02 months reserves exceed required 3 by 45.02 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840445 | xxxxxx D A | Closed | xxxxxx | 2025-07-24 09:50 | 2025-07-31 10:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-07/31/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-07/24/2025 |  | Resolved-Received Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-07/31/2025 | LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying DTI below maximum allowed - DTI 32.80% is lower than allowable 50%<br>Months Reserves exceed minimum required - 48.02 months reserves exceed required 3 by 45.02 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840466 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 840477 | xxxxxx D A C | Closed | xxxxxx | 2025-06-13 10:03 | 2025-08-06 10:45 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-xxxxxx CU was provided with a score of 1. The origin appraisal was re-run separately with an additional 3 comparables. The 6 comparables listed match the 6 comparables on the appraisal report. - Due Diligence Vendor-08/06/2025 <br> Counter-Secondary valuation required-CU received reflects 2 appraisals-with different comparables. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Please waive as the file contains a 1004 dated 5/8/25, a xxxxxx SSR with score 1.0, and a 1004d dated 5/21/25. An additional valuation product should not be required. - Seller-07/23/2025 <br> Open-Per xxxxxx UCDP - there are two appraisal by the same appraiser, assuming this is for the 1004D. Since the UCDP/ SSR for xxxxxx is greater than 2.5, a Collateral Desktop Analysis (CDA) from xxxxxx Appraisal Management, AVM within 30 days of note date, BPO (Broker Price Opinion), Appraisal Risk Review (ARR) from xxxxxx, or similar independent vendor is required. - Due Diligence Vendor-06/13/2025 | Ready for Review-Please waive as the file contains a 1004 dated 5/8/25, a xxxxxx SSR with score 1.0, and a 1004d dated 5/21/25. An additional valuation product should not be required. - Seller-07/23/2025 | Resolved-xxxxxx CU was provided with a score of 1. The origin appraisal was re-run separately with an additional 3 comparables. The 6 comparables listed match the 6 comparables on the appraisal report. - Due Diligence Vendor-08/06/2025 | Months Reserves exceed minimum required - 3 mths reserves req'd- Borrower has 14.59 mths reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 805 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840477 | xxxxxx D A C | Closed | xxxxxx | 2025-06-13 10:11 | 2025-06-17 15:27 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Upon further review, the loan file contained all required security instrument documentation. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-The legal description is on page 2 of 10 of the DOT. - Seller-06/14/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-06/13/2025 | Ready for Review-The legal description is on page 2 of 10 of the DOT. - Seller-06/14/2025 | Resolved-Upon further review, the loan file contained all required security instrument documentation. - Due Diligence Vendor-06/17/2025 | Months Reserves exceed minimum required - 3 mths reserves req'd- Borrower has 14.59 mths reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 805 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840487 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840495 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 08:46 | 2025-08-13 15:18 | Waived | 2 - Non-Material C B | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Waived-Originator provided a waiver to waive reserve requirement and source of closing funds, applied to non material finding with comp factors - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Ready for Review-Document Uploaded. Please see attached wired funds used to close are the same verified funds from xxxxxx acct xxxxxx with ending balance of $46,004.41 then transferred to acct xxxxxx on 4.4.2025 and then transferred $46,000 funds to account ending in xxxxxx(\*\*\*this account is reflecting on the Wire receipt), which only used/ needed $26,272.09 after the $100,000 gift amount received. - Seller-08/12/2025 <br> Counter-Same exception provided, however assets were not located in the loan file. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/25/2025 <br> Counter-Received exception for source of funds for closing-audit file does not reflect assets. Please provide. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-18263.82'. Assets are Insufficient. Borrower transferred funds from xxxxxx to xxxxxx after ending statement date on 3/31. Unable to use that statement provided for closing - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Ready for Review-Document Uploaded. Please see attached wired funds used to close are the same verified funds from xxxxxx acct xxxxxx with ending balance of $46,004.41 then transferred to acct xxxxxx on 4.4.2025 and then transferred $46,000 funds to account ending in xxxxxx (\*\*\*this account is reflecting on the Wire receipt), which only used/ needed $26,272.09 after the $100,000 gift amount received. - Seller-08/12/2025 <br> Ready for Review-Document Uploaded. - Seller-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 | Waived-Originator provided a waiver to waive reserve requirement and source of closing funds, applied to non material finding with comp factors - Due Diligence Vendor-08/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 720<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 28.63 | LTV: 5% below maximum<br> Qualifying DTI 5% below maximum<br> Residual Income: >1.5 times $3,500 monthly residual income | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840495 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 09:06 | 2025-07-25 09:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for required reserves, applied to non material finding with comp factors - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Borrower is short funds to close. Transferred funds out of account xxxxxx on 4/4 after statement date of 3/31, unable to use statement provided - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025 | Waived-Originator provided a waiver for required reserves, applied to non material finding with comp factors - Due Diligence Vendor-07/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 720<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 28.63 | LTV: less than 5% of guidelines maximum<br> Employment: 5+ years of verified employment<br> DTI: 5% below maximum allowed | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840495 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 09:07 | 2025-06-17 15:36 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received complete, legible 1004. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Rebuttal, verified all pages are complete prior to re-uploading the appraisal report. Please note: If your report is not complete then it must be an issue on your end. Please review and clear this finding, xxxxxx kindly - Seller-06/14/2025 <br> Open-Appraisal is cut off at the bottom of all pages, unable to view pertinent information - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Rebuttal, verified all pages are complete prior to re-uploading the appraisal report. Please note: If your report is not complete then it must be an issue on your end. Please review and clear this finding, xxxxxx kindly - Seller-06/14/2025 | Resolved-Received complete, legible 1004. - Due Diligence Vendor-06/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 720<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 28.63 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840495 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 08:31 | 2025-06-17 15:32 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Please see attached Verification of rents since 3.2023, no lates - Seller-06/14/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOR/Rent Free letter - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Please see attached Verification of rents since 3.2023, no lates - Seller-06/14/2025 | Resolved-Received VOR. - Due Diligence Vendor-06/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 720<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 28.63 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840495 | xxxxxx C B A | Closed | xxxxxx | 2025-06-12 08:09 | 2025-06-17 15:31 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received corrected HOI - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Please see most recent updated HOI effective date of xxxxxx, Please clear this finding - Seller-06/14/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Please see most recent updated HOI effective date of xxxxxx, Please clear this finding - Seller-06/14/2025 | Resolved-Received corrected HOI - Due Diligence Vendor-06/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 720<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 28.63 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840504 | xxxxxx D A | Closed | xxxxxx | 2025-06-09 11:13 | 2025-08-11 09:51 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Paystub received The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/12/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing B1 paystubs - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/12/2025 | Resolved-Paystub received The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 806<br>Months Reserves exceed minimum required - 3 month minimum reserves required, borrower has 39.79 documented |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840504 | xxxxxx D A | Closed | xxxxxx | 2025-06-06 12:57 | 2025-08-07 07:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved----Received initial 1003, all sections complete. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Please see corrected 1003. Per Docs in the file and the Appraisal, this is an ARM's length transaction and there is no relationship between the buyer and seller. - Seller-08/06/2025 <br> Open-The Final 1003 is Incomplete Section B Declarations Borrower 2 Question B is blank and subject is a Purchase Transaction. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. Please see corrected 1003. Per Docs in the file and the Appraisal, this is an ARM's length transaction and there is no relationship between the buyer and seller. - Seller-08/06/2025 | Resolved----Received initial 1003, all sections complete. - Due Diligence Vendor-08/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 806<br>Months Reserves exceed minimum required - 3 month minimum reserves required, borrower has 39.79 documented |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840504 | xxxxxx D A | Closed | xxxxxx | 2025-06-09 11:10 | 2025-06-16 16:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/12/2025 <br> Open-Borrower 1 Paystubs Missing - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/12/2025 | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-06/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 806<br>Months Reserves exceed minimum required - 3 month minimum reserves required, borrower has 39.79 documented |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840553 | xxxxxx D A | Closed | xxxxxx | 2025-06-18 09:49 | 2025-08-06 16:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received xxxxxx Passport. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Please see attached borrower's xxxxxx passport. - Seller-08/05/2025 <br> Counter-SSVVerify provided, however this documentation is insufficient to support the borrowers citizenship - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. The SSN verification used to clear the DV was included on pages 706-707 of the delivered loan file. Please see attached. - Seller-06/25/2025 <br> Counter-1003 state xxxxxx provided. Please provide the documentation used to clear the SSN on the fraud report. Unable to determine citizenship status with the documentation in the loan file. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please note the borrower is a xxxxxx. Please see attached corrected 1003. - Seller-06/23/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing permanent resident card from borrower. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. Please see attached borrower's xxxxxx passport. - Seller-08/05/2025 <br> Ready for Review-Document Uploaded. The SSN verification used to clear the DV was included on pages 706-707 of the delivered loan file. Please see attached. - Seller-06/25/2025 <br> Ready for Review-Document Uploaded. Please note the borrower is a xxxxxx. Please see attached corrected 1003. - Seller-06/23/2025 | Resolved-Received xxxxxx Passport. - Due Diligence Vendor-08/06/2025 | On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 29 months<br>Months Reserves exceed minimum required - Verified assets of 4.84 months exceeds the minimum required of 3 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840553 | xxxxxx D A | Closed | xxxxxx | 2025-06-20 08:14 | 2025-06-24 12:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Upon further review, bank statement program is based off xxxxxx. Audited FICO of 640 is greater than or equal to Guideline FICO of 620 - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please note that the subject loan was underwritten using the 12 mo. Business Bank statement income verification and per the attached xxxxxx, dated 4/21/25, the income eligibility for Personal or Business Bank statements is based off the xxxxxx (see page 5 in red). As such, the 640 FICO meets the requirements and an exception is not required. - Seller-06/21/2025 <br> Open-Audited FICO of 640 is less than Guideline FICO of 680 Credit score of 640 is less than minimum required of 680. Missing exception request listed in 1008. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. Please note that the subject loan was underwritten using the 12 mo. Business Bank statement income verification and per the attached xxxxxx, dated 4/21/25, the income eligibility for Personal or Business Bank statements is based off the xxxxxx (see page 5 in red). As such, the 640 FICO meets the requirements and an exception is not required. - Seller-06/21/2025 | Resolved-Upon further review, bank statement program is based off xxxxxx. Audited FICO of 640 is greater than or equal to Guideline FICO of 620 - Due Diligence Vendor-06/24/2025 | On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 29 months<br>Months Reserves exceed minimum required - Verified assets of 4.84 months exceeds the minimum required of 3 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840581 | xxxxxx C A | Closed | xxxxxx | 2025-06-24 09:27 | 2025-07-01 14:05 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Upon further review, the fraud report is complete and alerts are cleared. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. see within xxxxxx - Seller-06/27/2025 <br> Open-OFAC Check Not Completed and/or Cleared xxxxxx is not cleared for loan officer. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. see within xxxxxx - Seller-06/27/2025 | Resolved-Upon further review, the fraud report is complete and alerts are cleared. - Due Diligence Vendor-07/01/2025 | Months Reserves exceed minimum required - 40.96 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 67% max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840585 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840675 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840676 | xxxxxx D A | Closed | xxxxxx | 2025-07-21 06:17 | 2025-08-07 17:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, the loan file contained all required credit gap report documentation. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-I believe this is the default condition. The Gap credit report for borrower 1 and 2 is already included. Please review and waive this condition. - Seller-08/06/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing gap credit - Due Diligence Vendor-07/23/2025 | Ready for Review-I believe this is the default condition. The Gap credit report for borrower 1 and 2 is already included. Please review and waive this condition. - Seller-08/06/2025 | Resolved-Upon further review, the loan file contained all required credit gap report documentation. - Due Diligence Vendor-08/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 715 is higher than 660 minimum required <br>Months Reserves exceed minimum required - Qualifying Total Reserves 7.07 months are higher than 4 months required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840676 | xxxxxx D A | Closed | xxxxxx | 2025-07-21 06:17 | 2025-08-07 17:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Upon further review, the loan file contained all required credit gap report documentation. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-I believe this is the default condition. The Gap credit report for borrower 1 and 2 is already included. Please review and waive this condition. - Seller-08/06/2025 <br> Open-Borrower 2 Gap Credit Report is Missing missing gap credit - Due Diligence Vendor-07/23/2025 | Ready for Review-I believe this is the default condition. The Gap credit report for borrower 1 and 2 is already included. Please review and waive this condition. - Seller-08/06/2025 | Resolved-Upon further review, the loan file contained all required credit gap report documentation. - Due Diligence Vendor-08/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 715 is higher than 660 minimum required <br>Months Reserves exceed minimum required - Qualifying Total Reserves 7.07 months are higher than 4 months required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840702 | xxxxxx D A | Closed | xxxxxx | 2025-06-26 12:04 | 2025-07-10 10:39 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received Revised Worksheet. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. Please see attached worksheet with corrected P&I and release price. - Buyer-07/09/2025 <br> Counter-Received corrected worksheet showing P&I-Minimum release price does not match Loan Agreement. Finding remains. - Due Diligence Vendor-07/07/2025 <br> Counter-Please provide a new worksheet or a modification to the loan agreement as the allocation % to each property is to the two decimal point as stated on lender worksheet, P&I will be $2990.66. - Due Diligence Vendor-06/30/2025 <br> Open-Note reflects P&I 2990.97. However, loan agreement reflects rounding of the release amount and does not match worksheet. If allocation % to each property is to the two decimal point as stated on lender worksheet, P&I will be $2990.66. Provide an updated worksheet with correct loan amount and P&I. - Due Diligence Vendor-06/26/2025 |  | Resolved-Received Revised Worksheet. - Due Diligence Vendor-07/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - 786 qualifying FICO score, 700 minimum score required. <br>DSCR % greater than 1.20 - DSCR % is 1.525 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840702 | xxxxxx D A | Closed | xxxxxx | 2025-06-23 14:09 | 2025-07-07 11:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Upon further review, the loan file contained all required escrow account documentation. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. we only originate business purpose loans and our loan document provider does not create an Initial Escrow Account Disclosure Statement in their document sets. The impounds collected to set up the escrow account are reflected on the final settlement statement - please see attached under "Impounds" on pages 1 and 2. Monthly tax and insurance impound amounts are listed on the ACH form (also attached) - Buyer-07/03/2025 <br> Open-Missing IEADS - Due Diligence Vendor-06/23/2025 |  | Resolved-Upon further review, the loan file contained all required escrow account documentation. - Due Diligence Vendor-07/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - 786 qualifying FICO score, 700 minimum score required. <br>DSCR % greater than 1.20 - DSCR % is 1.525 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840719 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 840738 | xxxxxx C A | Closed | xxxxxx | 2025-07-14 15:07 | 2025-07-24 17:06 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received 5 year 5% PPP addendum to Note. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '60' Diligence value '24'. Tape reflect 60 months prepayment. Prepay addendum reflects 5% for for the 12 months and 5% for second 12 months. - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025 | Resolved-Received 5 year 5% PPP addendum to Note. - Due Diligence Vendor-07/24/2025 | Months Reserves exceed minimum required - 6 months reserves required, 9 months verified <br>Long term residence - 12 years in current home |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840751 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840755 | xxxxxx C B A | Closed | xxxxxx | 2025-08-13 15:14 | 2025-08-22 09:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower 1 Credit Report is Expired | Waived-Client provided a waiver for credit report >90 days<120, applied to non material finding with comp factors - Due Diligence Vendor-08/22/2025 <br> Open- All documentation must be dated within 90 days of the date the Note is signed. The credit report, dated 4/22/2025, is greater than 90 days from closing or xxxxxx, which was 100 days. - Due Diligence Vendor-08/13/2025 |  | Waived-Client provided a waiver for credit report >90 days<120, applied to non material finding with comp factors - Due Diligence Vendor-08/22/2025 | Months Reserves exceed minimum required - 63.91 months reserves with 2 months min<br>DSCR % greater than 1.20 - 1.349 DSCR | DSCR > 1.3 <br> Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 840761 | xxxxxx C B A | Closed | xxxxxx | 2025-07-19 12:18 | 2025-08-20 16:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived--Client exception granted. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-09/15/2025 <br> Counter-Received originator exception approval-please provide client exception approval. - Due Diligence Vendor-07/25/2025 <br> Open-Borrower plans to xxxxxx out of subject property. She currently xxxxxx and will move it to subject property. Exception form provided however no evidence the exception form was approved. - Due Diligence Vendor-07/19/2025 |  | Waived--Client exception granted. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-09/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower has 746 FICO<br>Months Reserves exceed minimum required - Min Reserves are 3 mths- Borrower has 5.33 mths in reserves | - No additional REOS<br> - Job Stability - self employed 12 years<br> - Credit paid as agreed<br> - FICO > 720<br> - Verified 48-month housing history 0X30 | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 840775 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840803 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 840834 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840850 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840880 | xxxxxx C A | Closed | xxxxxx | 2025-08-01 10:27 | 2025-08-06 09:50 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Resolved-2 years of employment verified on the 1003. Previous job start date is xxxxxx. - Due Diligence Vendor-08/06/2025 <br> Open-Borrower 2 Total Years Employment Verified is Less Than 24 Months - Due Diligence Vendor-08/01/2025 |  | Resolved-2 years of employment verified on the 1003. Previous job start date is xxxxxx. - Due Diligence Vendor-08/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - 734 Qualifying FICO score is at least 20 points above 660 minimum for program<br>Months Reserves exceed minimum required - 20 Months Reserves exceed 6 month minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840887 | xxxxxx D A | Closed | xxxxxx | 2025-06-26 16:30 | 2025-07-10 09:11 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received confirmation all interested parties included in fraud report. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. The settlement company, xxxxxx, was used in the exclusionary list reports. The company did not assign a closing agent until closing was scheduled post-underwriting. - Buyer-07/09/2025 <br> Counter-Received Participant List-missing settlement/closing agent-please provide complete revised fraud report. - Due Diligence Vendor-07/07/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Missing Exclusionary list report. - Due Diligence Vendor-06/27/2025 |  | Resolved-Received confirmation all interested parties included in fraud report. - Due Diligence Vendor-07/10/2025 | Months Reserves exceed minimum required - 8 months available vs. 6 required<br>Qualifying FICO score is at least 20 points above minimum for program - 795 vs. min FICO 660 @ 70% LTV<br>LTV is less than guideline maximum - 70% LTV vs. max LTV 80%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.752 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840887 | xxxxxx D A | Closed | xxxxxx | 2025-06-26 14:11 | 2025-07-10 09:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Application | Resolved-Received application. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. See page 1 under Borrower Real Estate Profile. The sponsor indicated they own their primary residence. - Buyer-07/09/2025 <br> Counter-Received complete application-does not indicate if borrower owns present primary residence. - Due Diligence Vendor-07/07/2025 <br> Open-The following information is missing from the application: date of birth, marital status, contact phone number, mailing address, present address, ownership of the address, how long at the address, property ownership in the last 3 years, what type of property, how was title held, any relationship with the seller of the property, did you or your deceased spouse ever serve in the xxxxxx. - Due Diligence Vendor-06/26/2025 |  | Resolved-Received application. - Due Diligence Vendor-07/10/2025 | Months Reserves exceed minimum required - 8 months available vs. 6 required<br>Qualifying FICO score is at least 20 points above minimum for program - 795 vs. min FICO 660 @ 70% LTV<br>LTV is less than guideline maximum - 70% LTV vs. max LTV 80%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.752 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840887 | xxxxxx D A | Closed | xxxxxx | 2025-06-26 14:18 | 2025-07-07 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Upon further review, the loan file contained all required escrow account documentation. - Due Diligence Vendor-07/07/2025 <br> Open-Missing initial escrow account disclosure for tax and insurance per final settlement statement in file. - Due Diligence Vendor-06/26/2025 |  | Resolved-Upon further review, the loan file contained all required escrow account documentation. - Due Diligence Vendor-07/07/2025 | Months Reserves exceed minimum required - 8 months available vs. 6 required<br>Qualifying FICO score is at least 20 points above minimum for program - 795 vs. min FICO 660 @ 70% LTV<br>LTV is less than guideline maximum - 70% LTV vs. max LTV 80%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.752 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840896 | xxxxxx C B A | Closed | xxxxxx | 2025-07-11 18:44 | 2025-08-05 15:01 | Waived | 2 - Non-Material C B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Document Uploaded. Originator waiver applied to non material finding with compensating factors. Exception for asset statements showing withdraw of rent since we have completed VOR.<br> - Due Diligence Vendor-08/05/2025 <br> Counter-After reviewing the condition, the snapshot from a phone with $4800 payments has no identifiers on it. Unable to clear the finding as we are unable to determine whom it is from and to whom it is going. - Due Diligence Vendor-07/24/2025 <br> Counter-Received VOR-missing 6 month proof of payment-unable to confirm borrowers portion and confirmation of 6 months of total $4,800 paid-must meet 3.12.5.2 of guidelines. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. uploaded VOR - Seller-07/23/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Rent (VOR) Document is incomplete. Cannot determine where the rent payments are coming from, and cannot tie them to the leased property/lease. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. uploaded VOR - Seller-07/23/2025<br>| Waived-Document Uploaded. Originator waiver applied to non material finding with compensating factors. Exception for asset statements showing withdraw of rent since we have completed VOR.<br> - Due Diligence Vendor-08/05/2025 | Months Reserves exceed minimum required - Guidelines do not require any reserves and the borrower has 12 months. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 721 is more than 20 points higher than the guideline min of 660. | 721 fico, min 660<br> 12 months of reserves, non required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 840911 | xxxxxx C A | Closed | xxxxxx | 2025-07-24 12:16 | 2025-08-08 11:46 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received Allonge on re executed documents. - Due Diligence Vendor-08/08/2025 <br> Counter-Received re-executed Note, pending the receipt of the Allonge per client. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. 8/5/25 - Manually uploading to xxxxxx to avoid issues with receipt. - Buyer-08/05/2025 <br> Open--Pending receipt of resigned closing documents. - Due Diligence Vendor-07/24/2025 |  | Resolved-Received Allonge on re executed documents. - Due Diligence Vendor-08/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 700 credit score. Qualifying credit score is 724.<br>Months Reserves exceed minimum required - 4 months available vs. 2 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840917 | xxxxxx D A | Closed | xxxxxx | 2025-07-16 08:36 | 2025-07-30 16:16 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received revised appraisal reflecting as PUD. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Open-Appraiser to confirm HOA. Per purchase contract there is HOA and was not reflected on Appraisal. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Received revised appraisal reflecting as PUD. - Due Diligence Vendor-07/30/2025 | Months Reserves exceed minimum required - 12.11 months PITIA reserves; 6 months reserves required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.198; minimum DSCR 1.00. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840917 | xxxxxx D A | Closed | xxxxxx | 2025-07-17 09:41 | 2025-07-22 14:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing guaranty agreement - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Received Guaranty Agreement. - Due Diligence Vendor-07/22/2025 | Months Reserves exceed minimum required - 12.11 months PITIA reserves; 6 months reserves required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.198; minimum DSCR 1.00. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840941 | xxxxxx D A | Closed | xxxxxx | 2025-07-01 16:03 | 2025-07-09 10:48 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-07/09/2025 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-07/01/2025 |  | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-07/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - 735 vs. min FICO 680<br>LTV is less than guideline maximum - 70% LTV vs. max LTV 75%<br>Months Reserves exceed minimum required - 166 vs. 6 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840941 | xxxxxx D A | Closed | xxxxxx | 2025-07-01 15:37 | 2025-07-09 10:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Tax Verification. - Due Diligence Vendor-07/09/2025 <br> Open-Missing Evidence of Property Tax - Due Diligence Vendor-07/01/2025 |  | Resolved-Received Tax Verification. - Due Diligence Vendor-07/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - 735 vs. min FICO 680<br>LTV is less than guideline maximum - 70% LTV vs. max LTV 75%<br>Months Reserves exceed minimum required - 166 vs. 6 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840960 | xxxxxx C B A | Closed | xxxxxx | 2025-08-02 07:36 | 2025-08-05 15:16 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-After further review, the appraiser confirms all appliance have been installed. The property also has a xxxxxx. - Due Diligence Vendor-08/05/2025 <br> Open-Appraisal 1004D was provided however - missing xxxxxx and xxxxxx see pdf (12). and xxxxxx pg 13. per xxxxxx requires a xxxxxx or xxxxxx.<br> - Due Diligence Vendor-08/02/2025 |  | Resolved-After further review, the appraiser confirms all appliance have been installed. The property also has xxxxxx. - Due Diligence Vendor-08/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 682 ; minimum 660.<br>Qualifying DTI below maximum allowed - DTI 35.8; max 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840960 | xxxxxx C B A | Closed | xxxxxx | 2025-07-29 15:50 | 2025-07-29 15:50 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-07/29/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-07/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 682 ; minimum 660.<br>Qualifying DTI below maximum allowed - DTI 35.8; max 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 840975 | xxxxxx D B A | Closed | xxxxxx | 2025-07-18 13:14 | 2025-08-29 09:03 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Client waiver applied to non-material findings. - Due Diligence Vendor-08/29/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-07/18/2025 |  | Waived-Client waiver applied to non-material findings. - Due Diligence Vendor-08/29/2025 | CLTV is less than guidelines maximum - 75 allowed, subject 64.65% <br>Qualifying FICO score is at least 20 points above minimum for program - 680 required, subject 748 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 840975 | xxxxxx D B A | Closed | xxxxxx | 2025-07-29 14:53 | 2025-08-14 08:04 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Received note with lender matching final CD, signed and dated xxxxxx. - Due Diligence Vendor-09/10/2025 <br> Counter-Client response: This loan is a mini-correspondent file. Please waive this condition....from the seller. <br> Audit response: The Lender disclosed on the CD should match the lender disclosed on the note. Please provide a corrected PCCD with correct lender. - Due Diligence Vendor-08/04/2025 <br> Open-\*NEW\* The lender on final CD does not match the lender disclosed on note. Provide a PCCD with correction. - Due Diligence Vendor-07/29/2025 |  | Resolved-Received note with lender matching final CD, signed and dated xxxxxx. - Due Diligence Vendor-09/10/2025 | CLTV is less than guidelines maximum - 75 allowed, subject 64.65% <br>Qualifying FICO score is at least 20 points above minimum for program - 680 required, subject 748 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840975 | xxxxxx D B A | Closed | xxxxxx | 2025-07-18 13:51 | 2025-08-14 08:03 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-07/29/2025 <br> Open-There are Issues Present on the Note that must be addressed. Missing the xxxxxx information on the Note and Mtg. - Due Diligence Vendor-07/18/2025 |  | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-07/29/2025 | CLTV is less than guidelines maximum - 75 allowed, subject 64.65% <br>Qualifying FICO score is at least 20 points above minimum for program - 680 required, subject 748 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840975 | xxxxxx D B A | Closed | xxxxxx | 2025-07-23 09:48 | 2025-08-07 14:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Document Uploaded. VOM and proof business makes payments provided. This is a blanket lien against 2 properties. - Due Diligence Vendor-08/07/2025 <br> Counter-Received VOM for 1st lien confirming xxxxxx payment made. Missing A complete 12 month pay history for the 2nd lien being paid off was not identified in the file. This documentation is required. Additional conditions may apply - Due Diligence Vendor-08/04/2025 <br> Counter-VOM for the 1st lien provided, however we are missing a complete payment history for the lien that was paid at close. - Due Diligence Vendor-07/30/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. 1. Verification of the xxxxxx payment for the first mortgage was not identified in the file. <br> 2. A complete 12 month pay history for the 2nd lien being paid off was not identified in the file. This documentation is required. Additional conditions may apply - Due Diligence Vendor-07/23/2025 |  | Resolved-Document Uploaded. VOM and proof business makes payments provided. This is a blanket lien against 2 properties. - Due Diligence Vendor-08/07/2025 | CLTV is less than guidelines maximum - 75 allowed, subject 64.65% <br>Qualifying FICO score is at least 20 points above minimum for program - 680 required, subject 748 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840975 | xxxxxx D B A | Closed | xxxxxx | 2025-07-23 09:46 | 2025-07-30 10:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement analysis. - Due Diligence Vendor-07/30/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-07/23/2025 |  | Resolved-Received business bank statement analysis. - Due Diligence Vendor-07/30/2025 | CLTV is less than guidelines maximum - 75 allowed, subject 64.65% <br>Qualifying FICO score is at least 20 points above minimum for program - 680 required, subject 748 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840975 | xxxxxx D B A | Closed | xxxxxx | 2025-07-22 09:51 | 2025-07-30 10:04 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy reflecting sufficient coverage. - Due Diligence Vendor-07/30/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount. Insufficient Title Coverage. Amount of coverage is less than the Loan Amount. - Due Diligence Vendor-07/22/2025 |  | Resolved-Received final title policy reflecting sufficient coverage. - Due Diligence Vendor-07/30/2025 | CLTV is less than guidelines maximum - 75 allowed, subject 64.65% <br>Qualifying FICO score is at least 20 points above minimum for program - 680 required, subject 748 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840994 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 841027 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841061 | xxxxxx C B A | Closed | xxxxxx | 2025-07-04 14:09 | 2025-07-11 10:28 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. Legal Description to DOT - Buyer-07/09/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. 1. Missing Legal description of property (Exhibit A) - Due Diligence Vendor-07/04/2025 |  | Resolved-Received Legal - Due Diligence Vendor-07/11/2025 | On time mortgage history exceeds guideline requirement - 1. 0x30 for 24 months on all mortgages.<br>Months Reserves exceed minimum required - 11.29 mos reserves; 2 mos required<br>LTV is less than guideline maximum - 51.85% LTV. Allowed 70%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841061 | xxxxxx C B A | Closed | xxxxxx | 2025-07-07 13:30 | 2025-07-08 14:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-07/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements DSCR requires primary residence housing history. Exception request for no primary housing history. Borrower lives rent free at current primary house. - Due Diligence Vendor-07/07/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-07/08/2025 | On time mortgage history exceeds guideline requirement - 1. 0x30 for 24 months on all mortgages.<br>Months Reserves exceed minimum required - 11.29 mos reserves; 2 mos required<br>LTV is less than guideline maximum - 51.85% LTV. Allowed 70%. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> 0x30 for 24 months on all mortgages | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 841079 | xxxxxx C B A | Closed | xxxxxx | 2025-07-14 11:48 | 2025-07-29 09:18 | Waived | 2 - Non-Material C B | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Waived-Client provided a waiver for rent loss coverage, applied to non material finding with comp factors - Due Diligence Vendor-07/29/2025 <br> Counter-Received HOI policy reflecting sufficient rent loss coverage and DSCR remains acceptable-premium differs from final CD $1,195 vs $1,149. Confirm policy paid in full. - Due Diligence Vendor-07/25/2025 <br> Open-Rent Loss Coverage is Insufficient or Missing. Per guides, 6 months coverage is required. Coverage to be at least $10,955.76. If the hazard premium increases, it will need to be changed in the system. DSCR calculation is not yet finalized. - Due Diligence Vendor-07/14/2025 |  | Waived-Client provided a waiver for rent loss coverage, applied to non material finding with comp factors - Due Diligence Vendor-07/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - 724 vs. min FICO 640<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.008 vs. min 0.75<br>Months Reserves exceed minimum required - 58 months available vs. 2 required | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines <br> Credit Score 30+ points > minimum required <br> Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 841088 | xxxxxx D A | Closed | xxxxxx | 2025-07-10 13:39 | 2025-07-21 11:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-07/21/2025 <br> Open-Title Document is Incomplete Title supplement not in file to document loan and insurance amount. - Due Diligence Vendor-07/10/2025 |  | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-07/21/2025 | Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 716 guidelines require 660<br>Months Reserves exceed minimum required - 139 months reserves; 6 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841088 | xxxxxx D A | Closed | xxxxxx | 2025-07-10 15:19 | 2025-07-21 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received documentation to support the Primary Residence was Free and Clear. - Due Diligence Vendor-07/21/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. 1003 indicate primary owned 2 years. History not on credit report. - Due Diligence Vendor-07/10/2025 |  | Resolved-Received documentation to support the Primary Residence was Free and Clear. - Due Diligence Vendor-07/21/2025 | Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 716 guidelines require 660<br>Months Reserves exceed minimum required - 139 months reserves; 6 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841098 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 841103 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841110 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841130 | xxxxxx D B A | Closed | xxxxxx | 2025-08-05 16:17 | 2025-08-06 11:22 | Waived | 2 - Non-Material D B | Property | Missing Doc | File does not contain all required valuation documents | Waived-Client waiver applied to non-material finding with compensating factors- Subject having 2 ADU's appraisal completed on 1004 - Due Diligence Vendor-08/06/2025 <br> Open-Exception Approval in file – Pg 58<br> 1. Appraisal – Appraisal completed on form 1004 (1025 required with 2 ADU's<br> - Due Diligence Vendor-08/05/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors- Subject having 2 ADU's appraisal completed on 1004 - Due Diligence Vendor-08/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 765 Min FICO = 680<br>Qualifying DTI below maximum allowed - DTI = 37.21% - Max DTI = 50% | 1. LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> 2. Credit Score 30+ points > minimum required | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841130 | xxxxxx D B A | Closed | xxxxxx | 2025-08-01 10:15 | 2025-08-01 10:17 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material findings. - Due Diligence Vendor-08/01/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material findings. - Due Diligence Vendor-08/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 765 Min FICO = 680<br>Qualifying DTI below maximum allowed - DTI = 37.21% - Max DTI = 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841163 | xxxxxx D B A | Closed | xxxxxx | 2025-06-05 10:54 | 2025-06-30 14:27 | Waived | 2 - Non-Material C B | Credit | Borrower | Borrower or Co Borrower Citizenship is Unknown | Waived-Originator waiver applied finding with compensating factors but will remain material. xxxxxx to accept Driver's license and social security verification in lieu of an unexpired EAD card or Work Visa. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. - Seller-06/19/2025 <br> Counter-1003 indicates the borrower is a non-per Resident but the citizenship documents are not in the loan file. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. xxxxxx see attached Non Permanent Resident Alien - Seller-06/06/2025 <br> Open-Citizenship box not checked on loan application. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/19/2025 <br> Ready for Review-Document Uploaded. xxxxxx see attached Non Permanent Resident Alien - Seller-06/06/2025 | Waived-Originator waiver applied finding with compensating factors but will remain material. OK to accept Driver's license and social security verification in lieu of an unexpired EAD card or Work Visa. - Due Diligence Vendor-06/20/2025 | Months Reserves exceed minimum required - 49.52 mos reserves; 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 770 is higher than the required 700<br>LTV is less than guideline maximum - LTV 75% is lower than maximum 85% | Post-closing reserves > 12 months<br> FICO > 10pts above requirement | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 841163 | xxxxxx D B A | Closed | xxxxxx | 2025-06-05 08:30 | 2025-06-06 15:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not required. - Due Diligence Vendor-06/06/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/05/2025 |  | Resolved-Borrower 1 Gap Credit Report is not required. - Due Diligence Vendor-06/06/2025 | Months Reserves exceed minimum required - 49.52 mos reserves; 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 770 is higher than the required 700<br>LTV is less than guideline maximum - LTV 75% is lower than maximum 85% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841201 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 841202 | xxxxxx D B A | Closed | xxxxxx | 2025-07-31 12:41 | 2025-08-11 16:45 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material finding. - Due Diligence Vendor-07/31/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material finding. - Due Diligence Vendor-07/31/2025 | Qualifying FICO score is at least 20 points above minimum for program - 706 > 680 required<br>Qualifying DTI below maximum allowed - DTI 36% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 841202 | xxxxxx D B A | Closed | xxxxxx | 2025-08-04 17:40 | 2025-08-11 09:02 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-08/11/2025 <br> Open-Additional valuation product has not been provided. File contains an AVM from VeroValue which is not an acceptable vendor allowed - Due Diligence Vendor-08/04/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-08/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - 706 > 680 required<br>Qualifying DTI below maximum allowed - DTI 36% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841202 | xxxxxx D B A | Closed | xxxxxx | 2025-08-04 08:02 | 2025-08-07 09:30 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, the loan file contained all required credit gap documentation. - Due Diligence Vendor-08/07/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/04/2025 |  | Resolved-Upon further review, the loan file contained all required credit gap documentation. - Due Diligence Vendor-08/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - 706 > 680 required<br>Qualifying DTI below maximum allowed - DTI 36% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841202 | xxxxxx D B A | Closed | xxxxxx | 2025-07-31 14:44 | 2025-08-04 17:56 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved------Compliant xxxxxx Subprime- APR on subject loan of 7.899% is within allowable threshold of APOR of 6.83% + 1.75% or 8.58%. - Due Diligence Vendor-08/04/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.899% is within allowable threshold of APOR of 6.83% + 1.75% or 8.58%. - Due Diligence Vendor-07/31/2025 |  | Resolved------Compliant xxxxxx Subprime- APR on subject loan of 7.899% is within allowable threshold of APOR of 6.83% + 1.75% or 8.58%. - Due Diligence Vendor-08/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - 706 > 680 required<br>Qualifying DTI below maximum allowed - DTI 36% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841203 | xxxxxx B A | Closed | xxxxxx | 2025-07-09 09:04 | 2025-07-11 12:17 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 8.52% is within allowable threshold of APOR of 6.83% + 1.75% or 8.58%. - Due Diligence Vendor-07/11/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 8.52% is within allowable threshold of APOR of 6.83% + 1.75% or 8.58%. <br>- Due Diligence Vendor-07/09/2025 |  | Resolved-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 8.52% is within allowable threshold of APOR of 6.83% + 1.75% or 8.58%. - Due Diligence Vendor-07/11/2025 | Credit history exceeds minimum required - Credit history exceeds minimum required<br>Months Reserves exceed minimum required - Qualifying Total Reserves 12 months are higher than minimum required 6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841229 | xxxxxx D B A | Closed | xxxxxx | 2025-07-31 13:30 | 2025-08-18 09:23 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-08/18/2025 <br> Counter-Received xxxxxx Property Report-documentation is insufficient-finding remains. - Due Diligence Vendor-08/06/2025 <br> Open-CU in file with a score of 4. An LCA or desk review is required to support the appraised value. - Due Diligence Vendor-07/31/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-08/18/2025 | Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 29 months.<br>LTV is less than guideline maximum - Guidelines allow LTV to 75%. Subject loan LTV is 63.57%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841229 | xxxxxx D B A | Closed | xxxxxx | 2025-07-29 11:29 | 2025-08-01 09:47 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved--Subject loan is compliant with APR below threshold. - Due Diligence Vendor-08/01/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.621% is within allowable threshold of APOR of 6.83% + 1.75% or 8.58%. - Due Diligence Vendor-07/29/2025 |  | Resolved--Subject loan is compliant with APR below threshold. - Due Diligence Vendor-08/01/2025 | Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 29 months.<br>LTV is less than guideline maximum - Guidelines allow LTV to 75%. Subject loan LTV is 63.57%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841229 | xxxxxx D B A | Closed | xxxxxx | 2025-07-29 10:33 | 2025-07-29 10:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Waived-Initial Escrow Account Disclosure is Missing Client waiver applied to non-material findings - Due Diligence Vendor-07/29/2025 |  | Waived-Initial Escrow Account Disclosure is Missing Client waiver applied to non-material findings - Due Diligence Vendor-07/29/2025 | Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 29 months.<br>LTV is less than guideline maximum - Guidelines allow LTV to 75%. Subject loan LTV is 63.57%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841229 | xxxxxx D B A | Closed | xxxxxx | 2025-07-29 10:33 | 2025-07-29 10:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-07/29/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-07/29/2025 | Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 29 months.<br>LTV is less than guideline maximum - Guidelines allow LTV to 75%. Subject loan LTV is 63.57%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841237 | xxxxxx D B A | Closed | xxxxxx | 2025-07-12 12:47 | 2025-09-09 20:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non material finding with comp factors. Deemed non-material due to short only 1 month. - Due Diligence Vendor-07/29/2025 <br> Counter-Review did not receive additional upload-please re upload. - Due Diligence Vendor-07/28/2025 <br> Counter-Received proof of rents paid 12/24-6/25, 10/24-11/24--missing Sept 2024 - Due Diligence Vendor-07/25/2025 <br> Counter-Received private party VOR and rent free letter-missing proof of payments to private landlord-original finding remains. - Due Diligence Vendor-07/23/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing verification of private 12 months rental payment history. Only provided for 5/3/25 and 5/31, 10/1 and 10/31/24 . - Due Diligence Vendor-07/12/2025 |  | Waived-Client waiver applied to non material finding with comp factors. Deemed non-material due to short only 1 month. - Due Diligence Vendor-07/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 722; minimum score 700.<br>LTV is less than guideline maximum - LTV 43.17% max 80%. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines <br> Credit Score 20 points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 841237 | xxxxxx D B A | Closed | xxxxxx | 2025-07-12 13:07 | 2025-09-09 19:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client waiver applied to non material finding with comp factors. The request for an exception to xxxxxx's eligibility criteria is granted for Loan amount. - Due Diligence Vendor-09/10/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $150000 per guidelines. minimum loan amount is $150,000. - Due Diligence Vendor-07/12/2025 |  | Waived-Client waiver applied to non material finding with comp factors. The request for an exception to xxxxxx's eligibility criteria is granted for Loan amount. - Due Diligence Vendor-09/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 722; minimum score 700.<br>LTV is less than guideline maximum - LTV 43.17% max 80%. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines <br> Credit Score 20 points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 841237 | xxxxxx D B A | Closed | xxxxxx | 2025-07-15 11:48 | 2025-08-05 09:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-After further review, the guidelines do not require a xxxxxx 216. Lower market rents used. - Due Diligence Vendor-08/05/2025 <br> Counter-Received duplicate summary notes for 216 not required by investor-please have appraiser clarify-The Opinion of Market Rents on the 1025 reflects Unit xxxxxx $1,200 and Unit xxxxxx $1,200 Total $2,000. Review is unable to validate why $2,000 for total rents rather than $2,400. Appraiser to confirm and no 216 Operating required. - Due Diligence Vendor-07/31/2025 <br> Counter-Received summary notes for 216 is not required by originator-The Opinion of Market Rents on the 1025 reflects Unit xxxxxx $1,200 and Unit xxxxxx $1,200 Total $2,000. Review is unable to validate why $2,000 for total rents rather than $2,400. Appraiser to confirm and no 216 Operating required. - Due Diligence Vendor-07/29/2025 <br> Counter-Received duplicate appraisal-Rent schedule is noted on page 3 however missing Operating Income Statement form 216. Original finding remains. - Due Diligence Vendor-07/23/2025 <br> Open-Missing 1025 Operating income statement. - Due Diligence Vendor-07/15/2025 |  | Resolved-After further review, the guidelines do not require a xxxxxx 216. Lower market rents used. - Due Diligence Vendor-08/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 722; minimum score 700.<br>LTV is less than guideline maximum - LTV 43.17% max 80%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 841237 | xxxxxx D B A | Closed | xxxxxx | 2025-07-12 13:07 | 2025-08-04 10:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver reserves <6 months, applied to non material finding with comp factors - Due Diligence Vendor-08/04/2025 <br> Counter-Received settlement statements and LLC Operating Agreements owned by another individual. Documentation is insufficient and finding remains. - Due Diligence Vendor-07/23/2025 <br> Open-Audited Reserves of 4.66 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-07/14/2025 |  | Waived-Client provided a waiver reserves <6 months, applied to non material finding with comp factors - Due Diligence Vendor-08/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 722; minimum score 700.<br>LTV is less than guideline maximum - LTV 43.17% max 80%. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 20 points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 841271 | xxxxxx C A | Closed | xxxxxx | 2025-08-08 15:20 | 2025-08-08 15:52 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Upon further review, SSA form is in file - Due Diligence Vendor-08/08/2025 <br> Open-Fraud Report Shows Uncleared Alerts Missing proof of borrower social security number. - Due Diligence Vendor-08/08/2025 |  | Resolved-Upon further review, SSA form is in file - Due Diligence Vendor-08/08/2025 | Qualifying DTI below maximum allowed - Qualifying DTI is 37%; max allowable 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 754; guidelines require 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841327 | xxxxxx B A | Closed | xxxxxx | 2025-07-30 13:20 | 2025-07-30 13:52 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material findings. - Due Diligence Vendor-07/30/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material findings. - Due Diligence Vendor-07/30/2025 | Months Reserves exceed minimum required - > 6 available vs. 3 required<br>LTV is less than guideline maximum - 80% LTV vs. max LTV 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 841334 | xxxxxx D B A | Closed | xxxxxx | 2025-07-24 11:33 | 2025-08-29 11:54 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received intent to re record. - Due Diligence Vendor-08/29/2025 <br> Counter-Received PUD Rider-provide confirmation corrected security instrument will be re recorded. - Due Diligence Vendor-08/26/2025 <br> Open-PUD Rider is Missing - Due Diligence Vendor-07/24/2025 |  | Resolved-Received intent to re record. - Due Diligence Vendor-08/29/2025 | Months Reserves exceed minimum required - 29.75 months PITIA reserves; 6 months reserves required..<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 794; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841334 | xxxxxx D B A | Closed | xxxxxx | 2025-07-24 12:01 | 2025-08-19 09:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received corrected final 1003, 1008 and VOR reflecting renting previous primary. - Due Diligence Vendor-08/19/2025 <br> Counter-Received corrected final 1003 reflecting borrower renting departing residence. Review is unable to locate VOR-please provide. Missing corrected 1008 as well. - Due Diligence Vendor-08/14/2025 <br> Open-Missing verification of taxes, insurance and any HOA fees for departing residence. Once received DTI will need to be re-calculated. - Due Diligence Vendor-07/24/2025 |  | Resolved-Received corrected final 1003, 1008 and VOR reflecting renting previous primary. - Due Diligence Vendor-08/19/2025 | Months Reserves exceed minimum required - 29.75 months PITIA reserves; 6 months reserves required..<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 794; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841334 | xxxxxx D B A | Closed | xxxxxx | 2025-07-24 14:21 | 2025-08-19 09:17 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-08/19/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Status pending due to missing taxes, ins, HOA dues on departing residence - DTI not finalized - Due Diligence Vendor-07/24/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-08/19/2025 | Months Reserves exceed minimum required - 29.75 months PITIA reserves; 6 months reserves required..<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 794; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841334 | xxxxxx D B A | Closed | xxxxxx | 2025-07-22 02:33 | 2025-07-22 03:19 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/22/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/22/2025 | Months Reserves exceed minimum required - 29.75 months PITIA reserves; 6 months reserves required..<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 794; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 841337 | xxxxxx D A | Closed | xxxxxx | 2025-07-17 16:11 | 2025-07-22 10:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-09/10/2025 <br> Open-Missing Business Purpose Affidavit - Due Diligence Vendor-09/10/2025 |  | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-09/10/2025 | Months Reserves exceed minimum required - > 105 months available vs. 6 months required<br>LTV is less than guideline maximum - 55% LTV vs. max LTV 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841342 | xxxxxx C B A | Closed | xxxxxx | 2025-07-10 12:25 | 2025-09-09 20:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client waiver applied to non material finding with comp factors. The request for an exception to xxxxxx's eligibility criteria is granted for LTV. Non-Material as the variance is 5%. - Due Diligence Vendor-09/10/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Audited CLTV of 75% exceeds Guideline CLTV of 70% - Due Diligence Vendor-07/10/2025 |  | Waived-Client waiver applied to non material finding with comp factors. The request for an exception to xxxxxx's eligibility criteria is granted for LTV. Non-Material as the variance is 5%. - Due Diligence Vendor-09/10/2025 | Credit history exceeds minimum required - Qualifying FICO score 692; guidelines require 680.<br>Months Reserves exceed minimum required - 58 months reserves; 6 months reserves required | - Reserves exceed requirement by 10 months or more<br> - 0x30 for 24 months on all mortgages | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841342 | xxxxxx C B A | Closed | xxxxxx | 2025-07-11 11:11 | 2025-08-01 09:58 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-After further review, the borrower's can early sign the documents. - Due Diligence Vendor-08/01/2025 <br> Counter-Closing documents are dated/printed xxxxxx, however the Notary Date is xxxxxx. - Due Diligence Vendor-07/22/2025 <br> Open-Security Instrument Date is greater than the transaction date of xxxxxx - Due Diligence Vendor-07/11/2025 |  | Resolved-After further review, the borrower's can early sign the documents. - Due Diligence Vendor-08/01/2025 | Credit history exceeds minimum required - Qualifying FICO score 692; guidelines require 680.<br>Months Reserves exceed minimum required - 58 months reserves; 6 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841346 | xxxxxx C A | Closed | xxxxxx | 2025-07-02 13:43 | 2025-07-07 14:40 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received VOD confirming sufficient reserves. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. Please see verification of deposit showing $133,092.00 as of 6/26/2025, total reserves after closing 8 months. - Seller-07/07/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves of month(s) 0 are less than Guideline Required Reserves of 6 month(s). Additionally, findings may apply upon receipt. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Please see verification of deposit showing $133,092.00 as of 6/26/2025, total reserves after closing 8 months. - Seller-07/07/2025 | Resolved-Received VOD confirming sufficient reserves. - Due Diligence Vendor-07/07/2025 | Long term residence - 10 Years. <br>Months Reserves exceed minimum required - Months Reserves 8 exceed minimum required 6. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841346 | xxxxxx C A | Closed | xxxxxx | 2025-07-02 13:35 | 2025-07-07 14:40 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received VOD confirming sufficient assets for closing. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. Please see verification of deposit showing $133,092.00 as of 6/26/2025, total reserves after closing 8 months. - Seller-07/07/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-109392.12'. Assets are Insufficient. Total Qualified Assets Post-Close amount is -$109,392.12. Assets are Insufficient. Missing Assets. Additionally, findings may apply upon receipt. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Please see verification of deposit showing $133,092.00 as of 6/26/2025, total reserves after closing 8 months. - Seller-07/07/2025 | Resolved-Received VOD confirming sufficient assets for closing. - Due Diligence Vendor-07/07/2025 | Long term residence - 10 Years. <br>Months Reserves exceed minimum required - Months Reserves 8 exceed minimum required 6. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841350 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841383 | xxxxxx D A | Closed | xxxxxx | 2025-07-28 09:25 | 2025-08-08 09:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received explanation of property taxes considered-lower estimates for 2025 with xxxxxx considered. - Due Diligence Vendor-08/08/2025 <br> Counter-Received CAD-property taxes with exemption is xxxxxx. CD reflects xxxxxx-please clarify tax figures considered. - Due Diligence Vendor-08/05/2025 <br> Open-Missing Evidence of Property Tax - Due Diligence Vendor-07/28/2025 |  | Resolved-Received explanation of property taxes considered-lower estimates for 2025 with xxxxxx considered. - Due Diligence Vendor-08/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - 771 vs. min FICO of 680<br>LTV is less than guideline maximum - 80% vs. max LTV of 90% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841385 | xxxxxx C B A | Closed | xxxxxx | 2025-08-05 18:36 | 2025-08-05 18:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted to allow 80% investor concentration. Non-material waiver applied with comp factors. Deemed non-material due to market being a tourist area and investment properties are common. - Due Diligence Vendor-08/05/2025 <br> Open-80% investor concentration exceeds 55% allowed - Due Diligence Vendor-08/05/2025 |  | Waived-Client exception granted to allow 80% investor concentration. Non-material waiver applied with comp factors. Deemed non-material due to market being a tourist area and investment properties are common. - Due Diligence Vendor-08/05/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Over $7K<br>Qualifying FICO score is at least 20 points above minimum for program - 770 vs. min FICO 660<br>Months Reserves exceed minimum required - > 8 vs. 6 required<br>Qualifying DTI below maximum allowed - 38% vs. max 50% | Credit Score 30+ points > minimum<br> DTI <= 40% which is below requirement in guidelines<br> Residual income more than 2.5x the amount required by guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 841549 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841572 | xxxxxx D A | Closed | xxxxxx | 2025-07-31 17:38 | 2025-08-13 07:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received letter of attestation of no affiliates. Finding resolved. - Due Diligence Vendor-08/13/2025 <br> Open-Required Affiliated Business Disclosure Missing --Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-07/31/2025 |  | Resolved-Received letter of attestation of no affiliates. Finding resolved. - Due Diligence Vendor-08/13/2025 | Months Reserves exceed minimum required - 22.59mos reserves. Per guides, no reserves required <br>LTV is less than guideline maximum - Borr LTV 68.4%. Per guides, maximum LTV 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841586 | xxxxxx C B A | Closed | xxxxxx | 2025-07-29 16:37 | 2025-08-13 07:29 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received evidence of refund to borrower or principal reduction in the amount of $360.00 (Copy of check), post-close CD xxxxxx, LOE and evidence of delivery. Finding cured - Due Diligence Vendor-08/13/2025 <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 $360.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $360.00 (Appraisal Fee and Credit Report 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 $360.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years - Expiration date is xxxxxx. - Due Diligence Vendor-07/29/2025 |  | Cured-Received evidence of refund to borrower or principal reduction in the amount of $360.00 (Copy of check), post-close CD xxxxxx, LOE and evidence of delivery. Finding cured - Due Diligence Vendor-08/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - 777 > 720 required<br>Qualifying DTI below maximum allowed - Qualifying Total Debt 14.02% is lower than 50% max allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841588 | xxxxxx B A | Closed | xxxxxx | 2025-07-24 12:44 | 2025-07-25 08:44 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non material finding with comp factors. Subject is held in an entity and outside counsel stance accepted as B grade since subject is not held as individual. - Due Diligence Vendor-09/15/2025 <br> Open-Per xxxxxx a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC - Due Diligence Vendor-07/24/2025 |  | Waived-Client waiver applied to non material finding with comp factors. Subject is held in an entity and outside counsel stance accepted as B grade since subject is not held as individual. - Due Diligence Vendor-09/15/2025 | Months Reserves exceed minimum required - The Borrower has reserves in the amount of 33.64; guideline minimum is 12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 727; guideline minimum is 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 841592 | xxxxxx C A | Closed | xxxxxx | 2025-07-31 09:14 | 2025-08-18 09:08 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received the Written List of Providers. No tolerance issues after re-test. - Due Diligence Vendor-08/18/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,644.25) exceed the comparable charges ($1,455.00) 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 Overnight Courier, Funding Fee and Settlement Fee increased by $43.75 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 $43.75, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 year- Expiration date is xxxxxx . [Missing SPL dated within 3 days of application]<br> - Due Diligence Vendor-07/31/2025 |  | Resolved-Received the Written List of Providers. No tolerance issues after re-test. - Due Diligence Vendor-08/18/2025 | Months Reserves exceed minimum required - 12.91 mths reserves; 0 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 746<br>CLTV is less than guidelines maximum - Guidelines allow CLTV to 90%. Subject loan CLTV is 63.36%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841619 | xxxxxx B A | Closed | xxxxxx | 2025-08-13 12:46 | 2025-08-18 14:09 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved--Compliant xxxxxx Subprime- APR on subject loan of 8.329% is within allowable threshold of APOR of 6.75% + 1.75% or 8.50%. - Due Diligence Vendor-08/18/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR - Compliant xxxxxx Subprime- APR on subject loan of 8.329% is within allowable threshold of APOR of 6.75% + 1.75% or 8.50%. - Due Diligence Vendor-08/13/2025 |  | Resolved--Compliant xxxxxx Subprime- APR on subject loan of 8.329% is within allowable threshold of APOR of 6.75% + 1.75% or 8.50%. - Due Diligence Vendor-08/18/2025 | Months Reserves exceed minimum required - Minimum reserves are 12 months, Borrower has 18.16 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 794 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841627 | xxxxxx B A | Closed | xxxxxx | 2025-07-30 21:14 | 2025-07-30 22:08 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 2 Final Signature Date is in the future | Waived-Borrower 2 Final Signature Date is greater than the transaction date of xxxxxx -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/31/2025 |  | Waived-Borrower 2 Final Signature Date is greater than the transaction date of xxxxxx -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/31/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 731 is more than 20 points higher than the guideline min of 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 22.97 is less than the guideline max of 43. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 841630 | xxxxxx C A | Closed | xxxxxx | 2025-08-06 12:45 | 2025-08-13 09:22 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 2 Months Income Verified is Missing | Resolved-Received validation of PITI for second home. - Due Diligence Vendor-08/13/2025 <br> Open-Income 2 Months Income Verified is Missing REO 2nd home is missing documentation to support total loss of ($1,928.82). HOA of $175 was provided, but missing PITI. Please note that the DTI is not yet final, and additional information and/or documentation may be required. - Due Diligence Vendor-08/06/2025 |  | Resolved-Received validation of PITI for second home. - Due Diligence Vendor-08/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - 726 vs. min FICO of 660<br>Months Reserves exceed minimum required - >100 months available vs. 0 months required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841653 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841656 | xxxxxx D A | Closed | xxxxxx | 2025-08-05 12:13 | 2025-08-19 09:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received settlement statement reflecting proceeds of $xxxxxx. - Due Diligence Vendor-08/19/2025 <br> Counter-Received duplicate Life Insurance loan documentation for total of xxxxxx. Missing source and explanation of $xxxxxx wire dated xxxxxx into xxxxxx. Finding remains. - Due Diligence Vendor-08/08/2025 <br> Open-Missing Lage incoming wire $xxxxxx wire transfer. - Due Diligence Vendor-08/05/2025 |  | Resolved-Received settlement statement reflecting proceeds of $339,683.35. - Due Diligence Vendor-08/19/2025 | Qualifying DTI below maximum allowed - DTI 39.35% max 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 748; minimum 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841656 | xxxxxx D A | Closed | xxxxxx | 2025-08-05 13:47 | 2025-08-08 09:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Certificate of Occupancy | Resolved-Received certificate of occupancy. - Due Diligence Vendor-08/08/2025 |  | Resolved-Received certificate of occupancy. - Due Diligence Vendor-08/08/2025 | Qualifying DTI below maximum allowed - DTI 39.35% max 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 748; minimum 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841679 | xxxxxx C A | Closed | xxxxxx | 2025-07-03 15:27 | 2025-07-28 09:43 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Client has provided Legal Description from Security Instrument - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. 7/25/25 - please rush review. Original sent since 7/8/25 w/ no response since. - Buyer-07/25/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing "Exhibit A" legal description attached to the DOT. - Due Diligence Vendor-07/03/2025 |  | Resolved-Client has provided Legal Description from Security Instrument - Due Diligence Vendor-07/28/2025 | Months Reserves exceed minimum required - Guidelines require 2 months of reserves. Qualifying reserves are 7 months.<br>Qualifying FICO score is at least 20 points above minimum for program - 771 vs. min FICO 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841680 | xxxxxx B A | Closed | xxxxxx | 2025-07-24 14:45 | 2025-07-24 16:42 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non material finding with comp factors. Subject is held in an entity and outside counsel stance accepted as B grade since subject is not held as individual. - Due Diligence Vendor-09/15/2025 <br> Open-PPP on xxxxxx loan held in LLC. - Due Diligence Vendor-07/24/2025 |  | Waived-Client waiver applied to non material finding with comp factors. Subject is held in an entity and outside counsel stance accepted as B grade since subject is not held as individual. - Due Diligence Vendor-09/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 746 is more than 20 points higher than the guideline min of 720<br>LTV is less than guideline maximum - Qualifying LTV 63.93 is less than the guideline max of 65.<br>On time mortgage history exceeds guideline requirement - 0x30x36 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 841683 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-29 10:29 | 2025-08-06 08:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received Final 1003 signed by borrower 7/22/2025, finding resolved - Due Diligence Vendor-08/06/2025 <br> Open-The Final 1003 is Missing - Due Diligence Vendor-07/29/2025 |  | Resolved-Received Final 1003 signed by borrower 7/22/2025, finding resolved - Due Diligence Vendor-08/06/2025 | Qualifying DTI below maximum allowed - < 30.33% DTI vs. max DTI 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 744 vs. min FICO 660<br>LTV is less than guideline maximum - 84.47% LTV vs. max LTV 90%<br>Months Reserves exceed minimum required - > 16.69 months available vs. 3 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 841683 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-31 15:12 | 2025-08-05 12:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Excessive Seller Contributions | Waived-Client exception granted, waiver applied with comp factors. exception to xxxxxx eligibility criteria is granted.<br> - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-08/05/2025 <br> Open-Seller Contributions of $13,500 exceeded total closing costs of $10,361.29. Lender reduced the appraised value rather than the purchase price to account for the overage of seller concessions. LTV has been reduced due to this, however , because of the overage an Exception waiver will need to be provided by Investor. - Due Diligence Vendor-07/31/2025 |  | Waived-Client exception granted, waiver applied with comp factors. exception to xxxxxx eligibility criteria is granted.<br> - Due Diligence Vendor-08/05/2025 | Qualifying DTI below maximum allowed - < 30.33% DTI vs. max DTI 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 744 vs. min FICO 660<br>LTV is less than guideline maximum - 84.47% LTV vs. max LTV 90%<br>Months Reserves exceed minimum required - > 16.69 months available vs. 3 months required. | 1 - Credit Score 30+ points > minimum required <br> 2 - Reserves exceed requirement by 10 months or more <br> 3 - DTI <= 36% which is below requirement in guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 841683 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-29 10:37 | 2025-07-29 10:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Waived-Initial Escrow Account Disclosure is Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/29/2025 |  | Waived-Initial Escrow Account Disclosure is Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/29/2025<br>| Qualifying DTI below maximum allowed - < 30.33% DTI vs. max DTI 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 744 vs. min FICO 660<br>LTV is less than guideline maximum - 84.47% LTV vs. max LTV 90%<br>Months Reserves exceed minimum required - > 16.69 months available vs. 3 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 841684 | xxxxxx C B A | Closed | xxxxxx | 2025-08-16 17:27 | 2025-08-20 09:33 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry letter. - Due Diligence Vendor-08/20/2025 <br> Open-LOX for credit inquiries is missing. Missing Credit Inquiry Letter. Credit pulled xxxxxx and xxxxxx - Due Diligence Vendor-08/16/2025 |  | Resolved-Received credit inquiry letter. - Due Diligence Vendor-08/20/2025<br>| CLTV is less than guidelines maximum - Max CLTV 85%- Borrower's CLTV 66.56%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 680- Borrower's FICO 722 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841684 | xxxxxx C B A | Closed | xxxxxx | 2025-08-13 10:28 | 2025-08-17 08:43 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR - Due Diligence Vendor-08/17/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR - Compliant xxxxxx Subprime- APR on subject loan of 10.184% is within allowable threshold of APOR of 6.79% + 3.75% or 10.54%. - Due Diligence Vendor-08/13/2025 |  | Resolved-Compliant xxxxxx Subprime-APR - Due Diligence Vendor-08/17/2025 | CLTV is less than guidelines maximum - Max CLTV 85%- Borrower's CLTV 66.56%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 680- Borrower's FICO 722 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841684 | xxxxxx C B A | Closed | xxxxxx | 2025-08-12 16:08 | 2025-08-12 16:08 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/12/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/12/2025<br>| CLTV is less than guidelines maximum - Max CLTV 85%- Borrower's CLTV 66.56%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 680- Borrower's FICO 722 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841739 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 841742 | xxxxxx C A | Closed | xxxxxx | 2025-07-24 14:05 | 2025-08-06 09:44 | Resolved | 1 - Information C A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Received LOE from the co-borrower. - Due Diligence Vendor-08/06/2025 <br> Counter-Corrected Final 1003 provided, however we are missing the LOE from the borrower. - Due Diligence Vendor-08/04/2025 <br> Counter-Clarification: Declaration Section 5b F is noted as Yes. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application. Finding: remains-A letter of explanation regarding the co-signed debt is required, additional stipulations may apply. - Due Diligence Vendor-07/31/2025 <br> Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. A letter of explanation regarding the co-signed debt is required, additional stipulations may apply. - Due Diligence Vendor-07/25/2025 |  | Resolved-Received LOE from the co-borrower. - Due Diligence Vendor-08/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 680 score required, subject 778<br>LTV is less than guideline maximum - 90% Allowed 64% ltv for subject. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841742 | xxxxxx C A | Closed | xxxxxx | 2025-07-25 14:05 | 2025-07-31 10:05 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received credit refresh. - Due Diligence Vendor-07/31/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap credit 13 days old at close. - Due Diligence Vendor-07/25/2025 |  | Resolved-Received credit refresh. - Due Diligence Vendor-07/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 680 score required, subject 778<br>LTV is less than guideline maximum - 90% Allowed 64% ltv for subject. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841759 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 841760 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 841779 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 841787 | xxxxxx D A | Closed | xxxxxx | 2025-08-06 22:19 | 2025-08-21 09:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Per client, PITIA included in the DTI. Evidence of sale not required. - Due Diligence Vendor-08/21/2025 <br> Open-Provide proof property xxxxxx is sold with final CD/ Settlement statement. - Due Diligence Vendor-08/07/2025 |  | Resolved-Per client, PITIA included in the DTI. Evidence of sale not required. - Due Diligence Vendor-08/21/2025<br>| Long term residence - Long term residence at current home for 20+ years. <br>Months Reserves exceed minimum required - Reserves req'd 3 mths- Borrower has 9 mths in reserves |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841787 | xxxxxx D A | Closed | xxxxxx | 2025-08-01 13:09 | 2025-08-20 09:12 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description provided. - Due Diligence Vendor-08/20/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description from the Mortgage. <br> - Due Diligence Vendor-08/01/2025 |  | Resolved-Legal description provided. - Due Diligence Vendor-08/20/2025<br>| Long term residence - Long term residence at current home for 20+ years. <br>Months Reserves exceed minimum required - Reserves req'd 3 mths- Borrower has 9 mths in reserves |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841797 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-11 13:26 | 2025-08-18 08:48 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Rec'd Letter of Attestation, borrower signed Note xxxxxx. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/15/2025 <br> Counter-Finding has been escalated. An attestation from borrower that the note was signed on xxxxxx is required. - Due Diligence Vendor-08/04/2025 <br> Counter-Client response: We agree the CD and Security Instrument is signed on xxxxxx, but signing a security instrument and CD is not when the borrower becomes contractually liable for the loan. The borrower becomes contractually liable for the loan when the borrower signs the NOTE (e.g. consummation), which has nothing to do with a notary, as the NOTE is not notarized or recorded. Technically, consummation (as per the states and federal definition took place on xxxxxx, not xxxxxx). This is the reason the attestation was provided and shows this is within timing requirements. <br> Audit response: Borrower cannot sign after notary date. If the notary date is incorrect, then they need to provide a xxxxxx affidavit. - Due Diligence Vendor-08/01/2025 <br> Counter-Received attestation that borrower signed note on xxxxxx. DOT notary date is xxxxxx, final CD is esigned xxxxxx. Notary date cannot be prior to borrower signature. Provide evidence of CD at least 3 business days prior to closing date of xxxxxx. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-08/15/2025 <br>Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| Resolved-Rec'd Letter of Attestation, borrower signed Note xxxxxx. - Due Diligence Vendor-08/18/2025 | Months Reserves exceed minimum required - 34 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 739 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841797 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-14 14:19 | 2025-07-29 14:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-After review - Lender used higher Rent for REO xxxxxx using Schedule E than Audit used. Using Schedule E would not require "updated/current HOI/Taxes". Since Audit used more conservative can Resolve. - Due Diligence Vendor-07/29/2025 <br> Counter-Received schedule E-documentation is insufficient-original finding remains. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/22/2025 <br> Counter-Document was not attached. - Due Diligence Vendor-07/22/2025 <br> Open-Missing Taxes & Ins for REO (property xxxxxx on the 1003) - Due Diligence Vendor-07/14/2025 |  | Resolved-After review - Lender used higher Rent for REO xxxxxx using Schedule E than Audit used. Using Schedule E would not require "updated/current HOI/Taxes". Since Audit used more conservative can Resolve. - Due Diligence Vendor-07/29/2025 | Months Reserves exceed minimum required - 34 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 739 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841797 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-14 13:05 | 2025-07-14 20:36 | Waived | 2 - Non-Material C B | Credit | Insurance | xxxxxx Coverage not met | Waived-Client blanket waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-09/09/2025 <br> Open-xxxxxx Coverage not met. Originator lender exception on file. "Insufficient Property Coverage for total # of units in project on Master Policy for xxxxxx, however; investor has an approved variance letter. Comp factors listed. No evidence of a separate xxxxxx Exception on file. - Due Diligence Vendor-07/14/2025 |  | Waived-Client blanket waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-09/09/2025<br>| Months Reserves exceed minimum required - 34 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 739 | FICO 739 with 680 min<br> LTV 27.27 with 85 max<br> DTI 18.74 DTI with 50% max | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 841864 | xxxxxx D A C | Closed | xxxxxx | 2025-07-09 11:00 | 2025-08-01 10:09 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/01/2025 <br> Counter-Legal from Title provided. Please provide the Legal Description attached to the Mortgage. - Due Diligence Vendor-07/15/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Provide missing Mortgage Deed Legal Description, Exhibit A. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/01/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 64.66m.<br>LTV is less than guideline maximum - Lender max LTV 60%, subject LTV 54.79% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841864 | xxxxxx D A C | Closed | xxxxxx | 2025-07-09 11:47 | 2025-07-15 09:40 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-07/15/2025 <br> Open-Additional valuation product has not been provided. Provide secondary evaluation; xxxxxx CDA, xxxxxx ARR or equivalent product or field review evidencing a reasonable appraised value. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-07/15/2025 | Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 64.66m.<br>LTV is less than guideline maximum - Lender max LTV 60%, subject LTV 54.79% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841875 | xxxxxx C B A | Closed | xxxxxx | 2025-07-18 09:00 | 2025-07-23 07:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to borrower has owned subject property 24+ months<br> - Due Diligence Vendor-07/22/2025 <br> Open-Housing History Does Not Meet Guideline Requirements The borrower is currently living rent free at his primary residence. We would like to know if it is okay for us to proceed with the subject property as an investment property. - Due Diligence Vendor-07/18/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to borrower has owned subject property 24+ months<br> - Due Diligence Vendor-07/22/2025 | On time mortgage history exceeds guideline requirement - 2. 0x30 for 24 months on subject mortgage. <br>LTV is less than guideline maximum - LTV 48% LTV. Allowed 75% | 1. LTV 48% LTV. Allowed 75%. <br> 2. 0x30 for 24 months on subject mortgage | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841880 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841912 | xxxxxx C A | Closed | xxxxxx | 2025-08-13 06:26 | 2025-08-22 09:57 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received LOE confirming no relationship with CPA. - Due Diligence Vendor-08/22/2025 <br> Open-Missing letter of explanation advising if there is or is not a relationship between the CPA and the borrower (they both have the same last name). Upon receipt of the conditions additional conditions may apply. - Due Diligence Vendor-08/13/2025 |  | Resolved-Received LOE confirming no relationship with CPA. - Due Diligence Vendor-08/22/2025<br>| Qualifying DTI below maximum allowed - Guidelines allow DTI to 50%. Qualifying DTI is 29.68%. <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 714 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841917 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 841921 | xxxxxx B A | Closed | xxxxxx | 2025-07-31 12:44 | 2025-07-31 12:44 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx Client waiver applied to non-material findings - Due Diligence Vendor-07/31/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx Client waiver applied to non-material findings - Due Diligence Vendor-07/31/2025 | Verified employment history exceeds guidelines - 2 years employment history - borrower has been self-employed in same business for 18 years per LLC documents<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO of 680 - Borrower has 806 FICO |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 841923 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-04 20:06 | 2025-09-09 20:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo does not meet requirements | Waived-xxxxxx project does not meet minimum insurance requirements; Originator exception in file with compensating factors; blanket client waiver for non-material finding is approved. Borrower carries separate HOI coverage in addition to master coverage. - Due Diligence Vendor-09/11/2025 <br> Open-Insufficient Property coverage For total # of units in project on Master Policy for xxxxxx however however Investor Investor has an approved variance letter. - Due Diligence Vendor-08/05/2025 |  | Waived-xxxxxx project does not meet minimum insurance requirements; Originator exception in file with compensating factors; blanket client waiver for non-material finding is approved. Borrower carries separate HOI coverage in addition to master coverage. - Due Diligence Vendor-09/11/2025 | Months Reserves exceed minimum required - >963 months vs. 6 months available. <br>LTV is less than guideline maximum - 79.86% is below max LTV 85%<br>Qualifying DTI below maximum allowed - 29.14% DTI is below max 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - 788 exceeds minimum FICO of 660. | Credit score 10+ point > minimum required 788(660)<br> DTI < 40% <br> Residual income 1.5x minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 841923 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-26 09:42 | 2025-08-26 09:45 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-\*NEW\* 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 $838.25.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).---Loan Amount points increase. Broker credit of $838.25 is on same CD. Finding resolved. - Due Diligence Vendor-08/26/2025 |  | Resolved-\*NEW\* 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 $838.25.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).---Loan Amount points increase. Broker credit of $838.25 is on same CD. Finding resolved. - Due Diligence Vendor-08/26/2025 | Months Reserves exceed minimum required - >963 months vs. 6 months available. <br>LTV is less than guideline maximum - 79.86% is below max LTV 85%<br>Qualifying DTI below maximum allowed - 29.14% DTI is below max 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - 788 exceeds minimum FICO of 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 841923 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-31 14:24 | 2025-08-26 09:43 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD xxxxxx with correct disbursement date. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/25/2025 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-07/31/2025 |  | Resolved-Received PCCD xxxxxx with correct disbursement date. - Due Diligence Vendor-08/26/2025 | Months Reserves exceed minimum required - >963 months vs. 6 months available. <br>LTV is less than guideline maximum - 79.86% is below max LTV 85%<br>Qualifying DTI below maximum allowed - 29.14% DTI is below max 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - 788 exceeds minimum FICO of 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 841923 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-04 17:31 | 2025-08-11 09:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-Received March, April and May asset utilization statements. - Due Diligence Vendor-08/11/2025 <br> Open-Borrower 1 Personal Bank Statements Missing Asset Utilization, guidelines states assets must be verified with the most recent three (3) monthly account statements, quarterly statement or a VOD covering at least 90 days. Additional months of assets are not in file. <br> - Due Diligence Vendor-08/04/2025 |  | Resolved-Received March, April and May asset utilization statements. - Due Diligence Vendor-08/11/2025<br>| Months Reserves exceed minimum required - >963 months vs. 6 months available. <br>LTV is less than guideline maximum - 79.86% is below max LTV 85%<br>Qualifying DTI below maximum allowed - 29.14% DTI is below max 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - 788 exceeds minimum FICO of 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 841923 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-04 17:10 | 2025-08-05 09:20 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review, the litigation is accepted by the insurance carrier for all three pending suites. None are structural in nature. - Due Diligence Vendor-08/05/2025 <br> Open-Several in litigation with the HOA being the defendant. xxxxxx. None of the lawsuits relate to safety, structural or functionality and do not affect the subject unit. The file contains letters from attorney stating that the master insurance is sufficient to cover the litigation. - Due Diligence Vendor-08/04/2025 |  | Resolved-After further review, the litigation is accepted by the insurance carrier for all three pending suites. None are structural in nature. - Due Diligence Vendor-08/05/2025<br>| Months Reserves exceed minimum required - >963 months vs. 6 months available. <br>LTV is less than guideline maximum - 79.86% is below max LTV 85%<br>Qualifying DTI below maximum allowed - 29.14% DTI is below max 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - 788 exceeds minimum FICO of 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 841925 | xxxxxx D B A | Closed | xxxxxx | 2025-08-12 18:03 | 2025-08-22 09:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client provided a waiver for Rural Property, applied to non material finding with comp factors - Due Diligence Vendor-08/22/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Ineligible properties listed on guidelines indicate xxxxxx properties, appraiser indicates xxxxxx for location. - Due Diligence Vendor-08/12/2025 |  | Waived-Client provided a waiver for Rural Property, 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 - Minimum FICO 660 borrowers is 800<br>LTV is less than guideline maximum - Maximum LTV 90, current LTV 71.1% | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines <br> Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 841925 | xxxxxx D B A | Closed | xxxxxx | 2025-08-13 12:41 | 2025-08-22 09:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation no HOA on primary residence. - Due Diligence Vendor-08/22/2025 <br> Open-Missing documentation for borrowers exiting property, provide Taxes, Insurance, HOA if PUD, etc. Additional conditions may apply. - Due Diligence Vendor-08/15/2025 |  | Resolved-Received confirmation no HOA on primary residence. - Due Diligence Vendor-08/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO 660 borrowers is 800<br>LTV is less than guideline maximum - Maximum LTV 90, current LTV 71.1% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841925 | xxxxxx D B A | Closed | xxxxxx | 2025-08-06 08:41 | 2025-08-06 09:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/06/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO 660 borrowers is 800<br>LTV is less than guideline maximum - Maximum LTV 90, current LTV 71.1% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 841927 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 841931 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-11 17:19 | 2025-09-10 09:13 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured-Upon further review, finding cured. - Due Diligence Vendor-09/10/2025 <br> Counter-Received PCCD dated xxxxxx, LOE, and refund check in the amount of $1905.20. Total tolerance violation for charges that cannot increase more than 10% is $2,138.40. Refund is not sufficient to cure tolerance violation. Please provide refund check in the amount of $233.30, PCCD, LOE, and evidence of delivery to the borrower. - Due Diligence Vendor-08/19/2025 <br> Counter-Client Response: xxxxxx disagrees with this finding. The Initial CD dated xxxxxx completed a valid COC for the loan parameters change increasing the settlement closing fee from $1,350 to $3,500. There is no refund required. Audit response: Provided COC is not sufficient, COCs must show how revision impacted the specific fee(s) that increased. COC does not show how Pricing Change specifically affected – (Admin/ Processing Fee, Lender's Title Insurance, Notary Fee, and Settlement/Closing Fee)- and caused them to increase above the 10% tolerance limit. Provide COC or evidence of refund to borrower or principal reduction in the amount of $2,202.90, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. - Due Diligence Vendor-08/04/2025 <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% ($5,284.00) exceed the comparable charges ($2,801.00) 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 (Closing Fees) increased by $2,202.90 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 $2,202.90, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx. - Due Diligence Vendor-07/11/2025 |  | Cured-Upon further review, finding cured. - Due Diligence Vendor-09/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 768<br>Months Reserves exceed minimum required - 14 mths reserves; 6 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841931 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-16 11:55 | 2025-07-21 10:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received Escrow Instructions. (FBO). - Due Diligence Vendor-07/21/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. Missing Purch Agmnt - Due Diligence Vendor-07/16/2025 |  | Resolved-Received Escrow Instructions. (FBO). - Due Diligence Vendor-07/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 768<br>Months Reserves exceed minimum required - 14 mths reserves; 6 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841943 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841945 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841948 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 841949 | xxxxxx C B A | Closed | xxxxxx | 2025-07-29 09:58 | 2025-08-12 09:05 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-WVOE received. - Due Diligence Vendor-08/12/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. For Borrower 1 overtime income - Documentation verifying break-down of prior year(s) earnings missing one of the following:<br> o Previous year-end paystub, or<br> o Completed Written Verification of Employment – xxxxxx Form 1005, or<br> o xxxxxx approved 3rd party Vendor (e.g., The xxxxxx®). Additional findings may apply - Due Diligence Vendor-07/29/2025 |  | Resolved-WVOE received. - Due Diligence Vendor-08/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700/ Borrower FICO 740<br>CLTV is less than guidelines maximum - Max CLTV 90% / Subject CLTV 79.96% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841949 | xxxxxx C B A | Closed | xxxxxx | 2025-07-29 09:58 | 2025-08-12 09:04 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-WVOE received. - Due Diligence Vendor-08/12/2025 <br> Open-ATR: The Lender did not document all ATR Factors For Borrower 1 overtime income - Documentation verifying break-down of prior year(s) earnings missing one of the following:<br> o Previous year-end paystub, or<br> o Completed Written Verification of Employment – xxxxxx Form 1005, or<br> o xxxxxx approved 3rd party Vendor (e.g., The xxxxxx®). Additional findings may apply - Due Diligence Vendor-07/29/2025 |  | Resolved-WVOE received. - Due Diligence Vendor-08/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700/ Borrower FICO 740<br>CLTV is less than guidelines maximum - Max CLTV 90% / Subject CLTV 79.96% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841949 | xxxxxx C B A | Closed | xxxxxx | 2025-07-29 09:57 | 2025-08-04 10:43 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received WVOE. - Due Diligence Vendor-08/04/2025 <br> Open-For Borrower 1 overtime income - Documentation verifying break-down of prior year(s) earnings missing one of the following:<br> o Previous year-end paystub, or<br> o Completed Written Verification of Employment – xxxxxx Form 1005, or<br> o xxxxxx approved 3rd party Vendor (e.g., The xxxxxx®). Additional findings may apply - Due Diligence Vendor-07/29/2025 |  | Resolved-Received WVOE. - Due Diligence Vendor-08/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700/ Borrower FICO 740<br>CLTV is less than guidelines maximum - Max CLTV 90% / Subject CLTV 79.96% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841949 | xxxxxx C B A | Closed | xxxxxx | 2025-07-24 13:31 | 2025-07-24 13:31 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client applied waiver applied to non-material findings. - Due Diligence Vendor-07/24/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client applied waiver applied to non-material findings. - Due Diligence Vendor-07/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700/ Borrower FICO 740<br>CLTV is less than guidelines maximum - Max CLTV 90% / Subject CLTV 79.96% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841957 | xxxxxx D A | Closed | xxxxxx | 2025-07-21 11:08 | 2025-07-25 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received flood cert. - Due Diligence Vendor-07/25/2025 <br> Open-Missing Flood Certificate - Flood Certificate is missing. - Due Diligence Vendor-07/22/2025 |  | Resolved-Received flood cert. - Due Diligence Vendor-07/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 792 vs. 700<br>Months Reserves exceed minimum required - > 64 months available, vs. 6 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841968 | xxxxxx C A | Closed | xxxxxx | 2025-08-08 11:09 | 2025-08-12 14:14 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-ACH for is not required only strongly encouraged. - Due Diligence Vendor-08/12/2025 <br> Counter-ACH form remains required for Foreign National per guidelines 2.3.3.2-The ACH form is in File. however, it is only signed and dated by the borrower. Does not contain the borrowers banking information. Finding remains - Due Diligence Vendor-08/12/2025 <br> Open-Foreign National but the ACH form is Missing from file. The ACH form is in File. however, it is only signed and dated by the borrower. Does not contain the borrowers banking information. - Due Diligence Vendor-08/08/2025 |  | Resolved-ACH for is not required only strongly encouraged. - Due Diligence Vendor-08/12/2025<br>| LTV is less than guideline maximum - LTV = 70% - Max LTV = 75%<br>Months Reserves exceed minimum required - Reserves = 25.34 months – Required Reserves = 6 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842077 | xxxxxx B A | Closed | xxxxxx | 2025-07-30 13:40 | 2025-07-30 13:53 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-07/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-07/30/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 39.13% <br>Months Reserves exceed minimum required - Min reserves required 0 mths- Borrower has 34.69 mths in reserves |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 842089 | xxxxxx C A | Closed | xxxxxx | 2025-07-23 09:52 | 2025-07-24 12:51 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved--Corrected tape provided showing loan does have prepayment, which is consistent with note. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-Tape indicates no prepay however note indicates a prepay penalty. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved--Corrected tape provided showing loan does have prepayment, which is consistent with note. - Due Diligence Vendor-07/24/2025<br>| Long term residence - Borrower own primary residence from the past 5 years.<br>Months Reserves exceed minimum required - 105 months reserves; 6 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842092 | xxxxxx D A C | Closed | xxxxxx | 2025-07-23 09:38 | 2025-07-24 13:26 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-Appraisal is Missing Must also include the 1007 and coincide with the CDA provided. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-Received Appraisal - Due Diligence Vendor-07/24/2025<br>| Long term residence - Borrower own primary residence from the past 5 years.<br>Months Reserves exceed minimum required - 106 months reserves; 6 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842092 | xxxxxx D A C | Closed | xxxxxx | 2025-07-23 09:40 | 2025-07-24 12:54 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved--Corrected tape provided showing loan does have prepayment, which is consistent with note. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-Per addendum in file note has a prepay however tape indicates there is no prepay. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved--Corrected tape provided showing loan does have prepayment, which is consistent with note. - Due Diligence Vendor-07/24/2025<br>| Long term residence - Borrower own primary residence from the past 5 years.<br>Months Reserves exceed minimum required - 106 months reserves; 6 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842093 | xxxxxx D A C | Closed | xxxxxx | 2025-07-23 10:34 | 2025-07-24 13:21 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-Appraisal is Missing - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-Received Appraisal - Due Diligence Vendor-07/24/2025<br>| Long term residence - Borrower own primary residence from the past 5 years.<br>Months Reserves exceed minimum required - 106 months reserves; 6 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842093 | xxxxxx D A C | Closed | xxxxxx | 2025-07-23 10:32 | 2025-07-24 12:53 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved--Corrected tape provided showing loan does have prepayment, which is consistent with note. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-Tape shows no prepay however note addendum indicates a prepay penalty. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved--Corrected tape provided showing loan does have prepayment, which is consistent with note. - Due Diligence Vendor-07/24/2025<br>| Long term residence - Borrower own primary residence from the past 5 years.<br>Months Reserves exceed minimum required - 106 months reserves; 6 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842094 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842099 | xxxxxx D A | Closed | xxxxxx | 2025-07-14 10:32 | 2025-07-18 12:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report provided. - Due Diligence Vendor-07/18/2025 <br> Open-Third Party Fraud Report Partially Provided Missing the full report. Only the watchlist and OFAC were provided - Due Diligence Vendor-07/14/2025 |  | Resolved-Third Party Fraud Report provided. - Due Diligence Vendor-07/18/2025<br>| Months Reserves exceed minimum required - > 12 months available vs. 3 required<br>Qualifying FICO score is at least 20 points above minimum for program - 745 vs. 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842103 | xxxxxx D A | Closed | xxxxxx | 2025-08-02 09:09 | 2025-08-11 09:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-08/11/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing No BP form located in file. - Due Diligence Vendor-08/02/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-08/11/2025<br>| Months Reserves exceed minimum required - Reserves are 136 mo's vs min required of 2 mo's. <br>Qualifying FICO score is at least 20 points above minimum for program - Score is 801 vs program min of 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842103 | xxxxxx D A | Closed | xxxxxx | 2025-07-31 10:14 | 2025-08-08 09:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Received executed Note inclusive of witnesses. - Due Diligence Vendor-08/08/2025 <br> Open-Missing the Note with witness signatures. - Due Diligence Vendor-07/31/2025 |  | Resolved-Received executed Note inclusive of witnesses. - Due Diligence Vendor-08/08/2025<br>| Months Reserves exceed minimum required - Reserves are 136 mo's vs min required of 2 mo's. <br>Qualifying FICO score is at least 20 points above minimum for program - Score is 801 vs program min of 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842119 | xxxxxx D B A | Closed | xxxxxx | 2025-07-21 13:13 | 2025-09-10 15:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Subject property is listed for sale | Waived-Client waiver applied to non material finding with comp factors for property was listed for sale. - Due Diligence Vendor-09/10/2025 <br> Open-The appraisal performed xxxxxx, notes the subject property was listed for sale multiple times since it was purchased: "DOM 11; The subject was listed on xxxxxx for xxxxxx per MLS: xxxxxx, it then was withdrawn on xxxxxx. The subject was previously listed on xxxxxx for xxxxxx and expired on xxxxxx per MLS: xxxxxx." An online search of the subject property reflects the home was listed for sale (again) 2 days after the loan funded on xxxxxx. - Due Diligence Vendor-07/21/2025 |  | Waived-Client waiver applied to non material finding with comp factors for property was listed for sale. - Due Diligence Vendor-09/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 754 and minimum allowed is 700<br>Qualifying DTI below maximum allowed - Audit DTI ratio is 40.73%, 50% maximum DTI allowed. | - Self-employed for > 10 years<br> - Credit Score 30+ points > minimum required<br> - Current primary home ownership > 10 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 842119 | xxxxxx D B A | Closed | xxxxxx | 2025-07-15 17:10 | 2025-09-10 15:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client waiver applied to non material finding with comp factors for reserves. - Due Diligence Vendor-09/10/2025 <br> Open-Audited Reserves of 9.59 month(s) are less than Guideline Required Reserves of 12 month(s) It should be noted the underwriter comments on 1008 indicated only a total of 9 months of reserves were required. However, guides require 6 months reserves for investment properties plus 2 months reserves for each financed property. The subject closed as an investment property and the borrower has 3 additional financed properties. Therefore 12 months of reserves were required. Borrower's verified assets plus cash from the current refinance were not sufficient to cover reserves required. - Due Diligence Vendor-07/15/2025 |  | Waived-Client waiver applied to non material finding with comp factors for reserves. - Due Diligence Vendor-09/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 754 and minimum allowed is 700<br>Qualifying DTI below maximum allowed - Audit DTI ratio is 40.73%, 50% maximum DTI allowed. | - Self-employed for > 10 years<br> - Credit Score 30+ points > minimum required<br> - Current primary home ownership > 10 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 842119 | xxxxxx D B A | Closed | xxxxxx | 2025-07-21 12:26 | 2025-09-09 20:27 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client waiver applied to non material finding with comp factors for cash out. - Due Diligence Vendor-09/10/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Per guides, rate term refinances - Cash back in an amount not to exceed the lesser of 2% of the new loan amount or $5,000 is allowed. Per Settlement Statement, borrower received $9,136.13 cash back. - Due Diligence Vendor-07/21/2025 |  | Waived-Client waiver applied to non material finding with comp factors for cash out. - Due Diligence Vendor-09/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 754 and minimum allowed is 700<br>Qualifying DTI below maximum allowed - Audit DTI ratio is 40.73%, 50% maximum DTI allowed. | - Self-employed for > 10 years<br> - Credit Score 30+ points > minimum required<br> - Current primary home ownership > 10 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 842119 | xxxxxx D B A | Closed | xxxxxx | 2025-07-31 12:12 | 2025-07-31 12:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $xxxxxx. Max loan amount a is 1.5 million . Borrower received xxxxxx. Client waiver applied to non material finding with comp factors - Due Diligence Vendor-07/31/2025 |  | Waived-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $xxxxx. Max loan amount a is 1.5 million . Borrower received xxxxxx. Client waiver applied to non material finding with comp factors - Due Diligence Vendor-07/31/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 754 and minimum allowed is 700<br>Qualifying DTI below maximum allowed - Audit DTI ratio is 40.73%, 50% maximum DTI allowed. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 842119 | xxxxxx D B A | Closed | xxxxxx | 2025-07-21 12:39 | 2025-07-31 12:24 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-LTV meets guidelines of 75%. Loan amount finding was issued which allows for the higher LTV - Due Diligence Vendor-07/31/2025 <br> Open-Audited LTV of 74.43% exceeds Guideline LTV of 60% Loan amounts between $2.5MM and $3MM allow a maximum of 65% LTV. Additionally, guides state properties recently listed for sale require a 5% LTV reduction. Therefore, the maximum LTV ratio allowed was 60%. The loan closed with an LTV ratio of 74.43%, exceeding the 60% maximum allowed. - Due Diligence Vendor-07/21/2025 |  | Resolved-LTV meets guidelines of 75%. Loan amount finding was issued which allows for the higher LTV - Due Diligence Vendor-07/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 754 and minimum allowed is 700<br>Qualifying DTI below maximum allowed - Audit DTI ratio is 40.73%, 50% maximum DTI allowed. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842119 | xxxxxx D B A | Closed | xxxxxx | 2025-07-21 13:36 | 2025-07-23 10:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received copy of the Note. - Due Diligence Vendor-07/23/2025 <br> Open-Appraisal and hazard insurance policy for property xxxxxx on the loan application indicate the property being refinanced. However, a copy of the Note or other documentation to verify the new monthly payment is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-07/21/2025 |  | Resolved-Received copy of the Note. - Due Diligence Vendor-07/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 754 and minimum allowed is 700<br>Qualifying DTI below maximum allowed - Audit DTI ratio is 40.73%, 50% maximum DTI allowed. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842121 | xxxxxx C B A | Closed | xxxxxx | 2025-07-16 21:01 | 2025-07-29 14:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Exception Request: Seeking exception for multiple ADUs to the property. File contains the approved exception for the multiple ADUs. Subject value supported by other comparables with similar property characteristics and appraiser notes is typical for the area and does not have an impact on marketability. Originator waiver applied to Non-Material finding. - Due Diligence Vendor-09/15/2025 <br> Open-Exception Request: Seeking exception for multiple ADUs to the property. File contains the approved exception for the multiple ADUs. - Due Diligence Vendor-07/22/2025 |  | Waived-Exception Request: Seeking exception for multiple ADUs to the property. File contains the approved exception for the multiple ADUs. Subject value supported by other comparables with similar property characteristics and appraiser notes is typical for the area and does not have an impact on marketability. Originator waiver applied to Non-Material finding. - Due Diligence Vendor-09/15/2025<br>| Months Reserves exceed minimum required - 6 mths reserves req'd- Borrower has 68.37 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower has a 783 FICO | -65 mths in reserves<br> - 58.373% LTV<br> -783 FICO | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 842121 | xxxxxx C B A | Closed | xxxxxx | 2025-07-16 20:58 | 2025-07-25 10:44 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Upon further review, the Interest Only appears to be an add on. - Due Diligence Vendor-07/25/2025 <br> Open-Per the Matrix, a 40 year term is allowed with a 10 year I/O. This loan is missing a 10 year I/O. - Due Diligence Vendor-07/17/2025 |  | Resolved-Upon further review, the Interest Only appears to be an add on. - Due Diligence Vendor-07/25/2025<br>| Months Reserves exceed minimum required - 6 mths reserves req'd- Borrower has 68.37 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower has a 783 FICO |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842138 | xxxxxx C A | Closed | xxxxxx | 2025-05-28 18:53 | 2025-06-04 09:18 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-----Received evidence of delivery xxxxxx. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. CD issued xxxxxx along with confirmation of receipt has been provided, please clear condition. - Seller-06/03/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Initial CD xxxxxx is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. CD issued xxxxxx along with confirmation of receipt has been provided, please clear condition. - Seller-06/03/2025 | Resolved-----Received evidence of delivery xxxxxx. - Due Diligence Vendor-06/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 687. Per guides, minimum score required 660.<br>LTV is less than guideline maximum - Borr LTV 71.4%. Per guides, maximum LTV 80%.<br>Months Reserves exceed minimum required - 138.59mos reserves. Per guides, 6 reserves required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842142 | xxxxxx D A | Closed | xxxxxx | 2025-05-23 16:24 | 2025-06-02 14:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received proof of flood insurance - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. uploaded the flood for review - Seller-05/29/2025 <br> Open-Missing Flood Insurance Policy The flood policy was not identified in the file. From the escrow disclosure and the closing disclosure a policy does exist but no verification of the policy was identified in the file. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. uploaded the flood for review - Seller-05/29/2025<br>| Resolved-Received proof of flood insurance - Due Diligence Vendor-06/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 required, 723 verified <br>LTV is less than guideline maximum - 80% allowed, subject 29.2%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 842144 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 842148 | xxxxxx D A | Closed | xxxxxx | 2025-06-27 15:10 | 2025-07-14 14:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Operating Agreement confirming 100% ownership. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Operating Agreement showing 100% ownership provided, please clear finding - Seller-07/11/2025 <br> Counter-SOS provided, however it does not confirm the % of ownership. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. CPA letters are used for expense factor, per the self employed questionnaire borrower owns 100% of the business. Also provided the State of xxxxxx business verification which only shows the borrower as the xxxxxx. - Seller-07/08/2025 <br> Counter-Document provided is xxxxxx., please provide the % of ownership for xxxxxx - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. Document provided, please clear finding. - Seller-07/01/2025 <br> Open-Borrower 1 CPA Letter Missing The CPA letter that verifies xxxxxx does not specify the borrower's ownership percentage. This is required. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. Operating Agreement showing 100% ownership provided, please clear finding - Seller-07/11/2025 <br> Ready for Review-Document Uploaded. CPA letters are used for expense factor, per the self employed questionnaire borrower owns 100% of the business. Also provided the State of xxxxxx business verification which only shows the borrower as the xxxxxx. - Seller-07/08/2025 <br> Ready for Review-Document Uploaded. Document provided, please clear finding. - Seller-07/01/2025 | Resolved-Received Operating Agreement confirming 100% ownership. - Due Diligence Vendor-07/14/2025<br>| Qualifying DTI below maximum allowed - 50% allowed, subject 27.44%. <br>Months Reserves exceed minimum required - 6 months required, 92 months verified |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842148 | xxxxxx D A | Closed | xxxxxx | 2025-06-27 16:44 | 2025-07-09 16:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Note signed as member. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Note for xxxxxx provided, please clear finding. - Seller-07/08/2025 <br> Counter-Mortgage showing vesting in the business name provided. Please provide a copy of the Note showing the business is responsible for the payment. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. Mortgage is in the name of xxxxxx, copy of mortgage provided. Please clear finding. - Seller-07/01/2025 <br> Open-The borrower refinanced their property xxxxxx. The borrower for the transaction was their business entity per the settlement statement. The DTI of the loan was calculated with $4,127.56 for the PITI of this transaction. No verification of the PITI was identified in the file. Either provide proof the loan was made in the business name or verification of the entire PITIA is required. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. Note for xxxxxx provided, please clear finding. - Seller-07/08/2025 <br> Ready for Review-Document Uploaded. Mortgage is in the name of xxxxxx, copy of mortgage provided. Please clear finding. - Seller-07/01/2025 | Resolved-Received Note signed as member. - Due Diligence Vendor-07/09/2025<br>| Qualifying DTI below maximum allowed - 50% allowed, subject 27.44%. <br>Months Reserves exceed minimum required - 6 months required, 92 months verified |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842148 | xxxxxx D A | Closed | xxxxxx | 2025-06-26 16:11 | 2025-07-09 08:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received final 1003 signed and dated 6/20/2025. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Document provided, please clear finding. - Seller-07/08/2025 <br> Counter-----Received signed final 1003, provide copy of signed 1003 with dated signature. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. Document provided, please clear finding. - Seller-07/01/2025 <br> Open-The Final 1003 is Missing -----Please provide Executed Final 1003 - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. Document provided, please clear finding. - Seller-07/08/2025 <br>Ready for Review-Document Uploaded. Document provided, please clear finding. - Seller-07/01/2025<br>| Resolved-Received final 1003 signed and dated 6/20/2025. - Due Diligence Vendor-07/09/2025<br>| Qualifying DTI below maximum allowed - 50% allowed, subject 27.44%. <br>Months Reserves exceed minimum required - 6 months required, 92 months verified |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842148 | xxxxxx D A | Closed | xxxxxx | 2025-06-27 15:45 | 2025-07-03 09:35 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing income documentation. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Cancelled checks provided, please clear finding. - Seller-07/01/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1. Missing satisfactory proof of 12 month VOR.<br> 2. Missing full 12 month bank statements, audit cannot perform income calculation. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. Cancelled checks provided, please clear finding. - Seller-07/01/2025<br>| Resolved-Received missing income documentation. - Due Diligence Vendor-07/03/2025<br>| Qualifying DTI below maximum allowed - 50% allowed, subject 27.44%. <br>Months Reserves exceed minimum required - 6 months required, 92 months verified |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842148 | xxxxxx D A | Closed | xxxxxx | 2025-06-27 13:58 | 2025-07-03 09:33 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-Received missing bank statements. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Requested documents provided, please clear finding. - Seller-07/01/2025 <br> Open-Per the bank statement calculation sheet (page 674) the borrower was qualified with 12 months bank statements from xxxxxx account number xxxxxx. However the bank statements provided are 4/30/2024 to 1/31/2025 were xxxxxx account number xxxxxx. The borrower switched bank accounts in January 2025 to xxxxxx. The xxxxxx bank xxxxxx statements from 01/2025 to 02/2025 were provided however the months of 03/2025 and 4/2025 were not identified in the file, these missing bank statements are required to calculate income. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. Requested documents provided, please clear finding. - Seller-07/01/2025<br>| Resolved-Received missing bank statements. - Due Diligence Vendor-07/03/2025<br>| Qualifying DTI below maximum allowed - 50% allowed, subject 27.44%. <br>Months Reserves exceed minimum required - 6 months required, 92 months verified |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842148 | xxxxxx D A | Closed | xxxxxx | 2025-06-27 14:53 | 2025-07-02 16:03 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received 4/2025 payment. Missing 5/2025, however the Guidelines allow 1x30x12. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. Last page shows rent payment for 4/2025, please clear finding. - Seller-07/01/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Canceled Checks were provided covering 1/2024 to 3/2025. The 12/2024 rent was paid early as there are 2 11/2024 checks. However the 4/2025 and 5/2025 rent checks were not identified in the file. The subject loan closed xxxxxx. verification of these two payments is required. Program only allows 1x30 in past 12 months. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. Last page shows rent payment for 4/2025, please clear finding. - Seller-07/01/2025<br>| Resolved-Received 4/2025 payment. Missing 5/2025, however the Guidelines allow 1x30x12. - Due Diligence Vendor-07/02/2025<br>| Qualifying DTI below maximum allowed - 50% allowed, subject 27.44%. <br>Months Reserves exceed minimum required - 6 months required, 92 months verified |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842148 | xxxxxx D A | Closed | xxxxxx | 2025-06-26 17:37 | 2025-07-02 07:34 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC xxxxxx for increase in HOA Certification fee. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. COC provided, please clear finding. - Seller-07/01/2025 <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 $160.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $160.00 - HOA Certification 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 $160.00 post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. COC provided, please clear finding. - Seller-07/01/2025<br>| Resolved-Received COC xxxxxx for increase in HOA Certification fee. - Due Diligence Vendor-07/02/2025 | Qualifying DTI below maximum allowed - 50% allowed, subject 27.44%. <br>Months Reserves exceed minimum required - 6 months required, 92 months verified |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842151 | xxxxxx C A | Closed | xxxxxx | 2025-06-12 11:40 | 2025-06-23 15:54 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. Please find DOT w legal - Seller-06/20/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing required legal description attached to DOT. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Please find DOT w legal - Seller-06/20/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-06/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 749 is higher than the required 680<br>Qualifying DTI below maximum allowed - DTI 6.21% is lower than allowable 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 842162 | xxxxxx C A | Closed | xxxxxx | 2025-07-01 14:40 | 2025-08-01 09:19 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received xxxxxx Affidavit for correction of xxxxxx info on security instrument. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Please find executed xxxxxx affidavit correcting missing Broker xxxxxx number as well as incorrect individual loan originator name. This has been sent for recording. - Seller-07/31/2025 <br> Counter-The Mortgage - Individual Loan Originator: xxxxxx, xxxxxx ID: xxxxxx - Due Diligence Vendor-07/28/2025 <br> Ready for Review-who is xxxxxx on the document you are referring to. - Seller-07/24/2025 <br> Counter-Loan Originator (xxxxxx) does Not match the xxxxxx name for xxxxxx - Due Diligence Vendor-07/18/2025 <br> Counter-Loan Originator (xxxxxx) does Not match the xxxxxx name for xxxxxx - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Please find the xxxxxxinformation matching please clear. xxxxxx is a DBA of xxxxxx - Seller-07/14/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing broker xxxxxx ID - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. Please find executed xxxxxx affidavit correcting missing Broker xxxxxx number as well as incorrect individual loan originator name. This has been sent for recording. - Seller-07/31/2025 <br> Ready for Review-who is xxxxxx on the document you are referring to. - Seller-07/24/2025 <br> Ready for Review-Document Uploaded. Please find the xxxxxx information matching please clear. xxxxxx is a DBA of xxxxxx - Seller-07/14/2025 | Resolved-Received xxxxxx Affidavit for correction of xxxxxx info on security instrument. - Due Diligence Vendor-08/01/2025 | LTV is less than guideline maximum - 80% allowed, subject 60%. <br>Qualifying FICO score is at least 20 points above minimum for program - 660 required, subject 681 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842162 | xxxxxx C A | Closed | xxxxxx | 2025-07-01 14:36 | 2025-08-01 09:18 | Resolved | 1 - Information C A | Compliance | Closing | Loan Originator xxxxxx Status is Unknown | Resolved-Received xxxxxx documentation for originator and MLO. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Please find attached xxxxxx affidavit correcting individual loan originator name and xxxxxx. This has been sent for recording. - Seller-07/31/2025 <br> Ready for Review-Individual Loan originator name, xxxxxx, does not match Individual Loan originator name, xxxxxx. Finding remains. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. Please find the xxxxxx information matching please clear. xxxxxx is a DBA of xxxxxx - Seller-07/14/2025 <br> Open-Loan Originator xxxxxx Status is Unknown xxxxxx does not match loan originator - Due Diligence Vendor-07/01/2025 | Ready for Review-Please find attached xxxxxx affidavit correcting individual loan originator name and xxxxxx. This has been sent for recording. - Seller-07/31/2025 <br> Ready for Review-Document Uploaded. Please find the xxxxxx information matching please clear. xxxxxx is a DBA of xxxxxx - Seller-07/14/2025 | Resolved-Received xxxxxx documentation for originator and MLO. - Due Diligence Vendor-08/01/2025<br>| LTV is less than guideline maximum - 80% allowed, subject 60%. <br>Qualifying FICO score is at least 20 points above minimum for program - 660 required, subject 681 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842162 | xxxxxx C A | Closed | xxxxxx | 2025-07-01 14:36 | 2025-08-01 09:18 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received corrected Note and letter to borrowers regarding correction reflecting correct xxxxxx - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Please find the attached LOE sent to borrower advising of the error in xxxxxx, Corrected Note sent to borrower showing correct information, and label to evidence delivery. Please clear finding. - Seller-07/31/2025 <br> Counter-The Note - Individual Loan Originator: xxxxxx, xxxxxxR ID: xxxxxx - Due Diligence Vendor-07/28/2025 <br> Ready for Review-To clarify, xxxxxx shows xxxxxx on initial 1003 and all documentation. Where is Clarifii seeing xxxxxx? What documentation shows xxxxxx as the loan originator? - Seller-07/26/2025 <br> Ready for Review-who is xxxxxx on the document you are referring to. - Seller-07/24/2025 <br> Counter-Loan Originator (xxxxxx) does Not match the xxxxxx name for xxxxxx - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Please find the xxxxxx information matching please clear. xxxxxx is a DBA of xxxxxx - Seller-07/14/2025 <br> Open-There are Issues Present on the Note that must be addressed. Missing xxxxxx ID for Broker - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. Please find the attached LOE sent to borrower advising of the error in xxxxxx, Corrected Note sent to borrower showing correct information, and label to evidence delivery. Please clear finding. - Seller-07/31/2025 <br> Ready for Review-To clarify, xxxxxx shows xxxxxx on initial 1003 and all documentation. Where is xxxxxx seeing xxxxxx? What documentation shows xxxxxx as the loan originator? - Seller-07/26/2025 <br> Ready for Review-who is xxxxxx on the document you are referring to. - Seller-07/24/2025 <br> Ready for Review-Document Uploaded. Please find the xxxxxx information matching please clear. xxxxxx is a DBA of xxxxxx - Seller-07/14/2025 | Resolved-Received corrected Note and letter to borrowers regarding correction reflecting correct xxxxxx - Due Diligence Vendor-08/01/2025<br>| LTV is less than guideline maximum - 80% allowed, subject 60%. <br>Qualifying FICO score is at least 20 points above minimum for program - 660 required, subject 681 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842162 | xxxxxx C A | Closed | xxxxxx | 2025-07-01 16:14 | 2025-07-02 17:48 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review finding resolved. CD reflects issued lender credits in amount of violation - Due Diligence Vendor-09/10/2025 <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 $20.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- issued lender credits in amount of violation - Due Diligence Vendor-07/01/2025 |  | Resolved-Upon further review finding resolved. CD reflects issued lender credits in amount of violation - Due Diligence Vendor-09/10/2025<br>| LTV is less than guideline maximum - 80% allowed, subject 60%. <br>Qualifying FICO score is at least 20 points above minimum for program - 660 required, subject 681 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842170 | xxxxxx C A | Closed | xxxxxx | 2025-06-25 11:17 | 2025-07-08 16:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received confirmation 0x30 on mortgage-meets residual income requirement-max dti 55% - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. Letter from xxxxxx states the 1X30 was reported incorrectly to the xxxxxx. Please clear finding. - Seller-07/07/2025 <br> Counter-Max DTI is 50%-1x30 reflecting on mortgage makes ineligible for 55% max dti. Guidelines page 112 - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Guidelines allow for over 50% DTI, please clear finding. - Seller-06/27/2025 <br> Open-Audited DTI of 50.83% exceeds Guideline DTI of 50% - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. Letter from xxxxxx states the 1X30 was reported incorrectly to the xxxxxx. Please clear finding. - Seller-07/07/2025 <br> Ready for Review-Guidelines allow for over 50% DTI, please clear finding. - Seller-06/27/2025 | Resolved-Received confirmation 0x30 on mortgage-meets residual income requirement-max dti 55% - Due Diligence Vendor-07/08/2025<br>| Verified employment history exceeds guidelines - Borrower has been Self-employed for 11 over 2yrs requirements.<br>Months Reserves exceed minimum required - 10.41 mos reserves; 0 required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842170 | xxxxxx C A | Closed | xxxxxx | 2025-06-23 14:03 | 2025-07-08 07:58 | Resolved | 1 - Information A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. COCs provided, please clear finding. - Seller-06/27/2025 <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 $2,552.50.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 $2,552.50 (Points - Loan Discount Fee & Appraisal 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 $2,552.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. COCs provided, please clear finding. - Seller-06/27/2025<br>| Resolved-Received COC - Due Diligence Vendor-07/08/2025<br>| Verified employment history exceeds guidelines - Borrower has been Self-employed for 11 over 2yrs requirements.<br>Months Reserves exceed minimum required - 10.41 mos reserves; 0 required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842170 | xxxxxx C A | Closed | xxxxxx | 2025-06-23 14:03 | 2025-07-08 07:57 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC xxxxxx for decrease in lender credit. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. COCs provided, please clear finding. - Seller-07/07/2025 <br> Counter-Received COC xxxxxx for lender credit decrease. CD xxxxxx includes lender credit $7,357.50, final CD xxxxxx includes 0 lender credit. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $7,357.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. COC provided, please clear finding. - Seller-06/27/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($39,240.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($46,597.50). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $46,597.50 to $39,240 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $7,357.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. COCs provided, please clear finding. - Seller-07/07/2025 <br>Ready for Review-Document Uploaded. COC provided, please clear finding. - Seller-06/27/2025<br>| Resolved-Received COC xxxxxx for decrease in lender credit. - Due Diligence Vendor-07/08/2025 | Verified employment history exceeds guidelines - Borrower has been Self-employed for 11 over 2yrs requirements.<br>Months Reserves exceed minimum required - 10.41 mos reserves; 0 required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842170 | xxxxxx C A | Closed | xxxxxx | 2025-06-25 09:55 | 2025-06-30 16:32 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. Documents provided, please clear finding. - Seller-06/27/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Provide the legal to the Mtg. - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. Documents provided, please clear finding. - Seller-06/27/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-06/30/2025<br>| Verified employment history exceeds guidelines - Borrower has been Self-employed for 11 over 2yrs requirements.<br>Months Reserves exceed minimum required - 10.41 mos reserves; 0 required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842171 | xxxxxx C B A | Closed | xxxxxx | 2025-07-01 12:28 | 2025-07-22 14:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower does not meet residual income requirement | Waived-Originator provided a waiver Residual Income <$4,000 with DTI over 50.00%, applied to non material finding with comp factors - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. exception uploaded. - Seller-07/19/2025 <br> Counter-Received exception for disposable income-please include DTI in exception form. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. please find the exception for disposable income - Seller-07/17/2025 <br> Open-55% income requires $4,000 disposable income. The disposable income for the subject loan was $3,353.76 which did not meet the disposable requirement. - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. exception uploaded. - Seller-07/19/2025 <br>Ready for Review-Document Uploaded. please find the exception for disposable income - Seller-07/17/2025<br>| Waived-Originator provided a waiver Residual Income <$4,000 with DTI over 50.00%, applied to non material finding with comp factors - Due Diligence Vendor-07/22/2025<br>| Months Reserves exceed minimum required - 0 reserves required, 13.32 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 600 score required, 731 verified. | LTV: 47%<br> FICO: 731 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 842171 | xxxxxx C B A | Closed | xxxxxx | 2025-07-01 10:16 | 2025-07-09 08:51 | Resolved | 1 - Information C A | Compliance | Closing | Note Address Does Not Match Deed of Trust Address | Resolved-----Received corrected DOT with matching address. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. address is correct with DoT attached of xxxxxx - Seller-07/07/2025 <br> Open-Note Address of xxxxxx Does Not Match Deed of Trust Address of xxxxxx - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. address is correct with DoT attached of xxxxxx - Seller-07/07/2025 | Resolved-----Received corrected DOT with matching address. - Due Diligence Vendor-07/09/2025<br>| Months Reserves exceed minimum required - 0 reserves required, 13.32 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 600 score required, 731 verified. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842171 | xxxxxx C B A | Closed | xxxxxx | 2025-06-30 09:20 | 2025-07-09 08:50 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT with legal attached. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. legal with dot attached. - Seller-07/07/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description is missing - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. legal with dot attached. - Seller-07/07/2025<br>| Resolved-Received DOT with legal attached. - Due Diligence Vendor-07/09/2025<br>| Months Reserves exceed minimum required - 0 reserves required, 13.32 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 600 score required, 731 verified. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842176 | xxxxxx C A | Closed | xxxxxx | 2025-06-25 06:55 | 2025-07-01 15:23 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. Document provided, please clear finding. - Seller-06/30/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing "Exhibit A" legal description attached to the DOT. - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. Document provided, please clear finding. - Seller-06/30/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/01/2025<br>| LTV is less than guideline maximum - LTV 52.16% is lower than maximum 65%<br>Months Reserves exceed minimum required - 63.52 months reserves exceed required 0 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842181 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 842297 | xxxxxx D A | Closed | xxxxxx | 2025-06-16 16:42 | 2025-07-07 11:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Proof of 2 months of rent received. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-The properties have a management company who handle the collection of rents for the owner/borrower. As such, a fee is charged by the management company and the rents received are reduced by that amount each month prior to being distributed to the owner. This is common practice when a property is managed by a third party. Please clear finding.<br> - Seller-07/03/2025 <br> Counter-Bank statement do not reflect all rents: $1,875, $4,900, $1,900 and $2,300. Provide acceptable bank statements supporting receipt of rents for each. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. Bank statements provided for rents. The bank statements reflecting the borrower's rental income for his xxxxxx units managed by xxxxxx – xxxxxx, xxxxxx. The rents received from the management company are $2116, $1725 and $1748, The deposit in Apr for $3841 is a combo payment of $1725 + $2116. Please clear finding. - Seller-06/23/2025 <br> Open-leases were used to wash rental property income. Per the applicable guidelines the verification of the receipt of 2 months rental income for each property is required. No verification of the receipt of rental income was identified in the file. - Due Diligence Vendor-06/16/2025 | Ready for Review-The properties have a management company who handle the collection of rents for the owner/borrower. As such, a fee is charged by the management company and the rents received are reduced by that amount each month prior to being distributed to the owner. This is common practice when a property is managed by a third party. Please clear finding.<br> - Seller-07/03/2025 <br> Ready for Review-Document Uploaded. Bank statements provided for rents. The bank statements reflecting the borrower's rental income for his xxxxxx units managed by xxxxxx – xxxxxx, xxxxxx. The rents received from the management company are $2116, $1725 and $1748, The deposit in Apr for $3841 is a combo payment of $1725 + $2116. Please clear finding. - Seller-06/23/2025 | Resolved-Proof of 2 months of rent received. - Due Diligence Vendor-07/07/2025<br>| Months Reserves exceed minimum required - 6 months required, 63 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 660 required, 794 verified. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842297 | xxxxxx D A | Closed | xxxxxx | 2025-06-17 14:32 | 2025-06-25 16:47 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received correct preliminary title. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. Amended title commitment provided, please clear finding. - Seller-06/23/2025 <br> Open-Property Title Issue Purposed Borrower as xxxxxx, not our borrower or business on the Note - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. Amended title commitment provided, please clear finding. - Seller-06/23/2025<br>| Resolved-Received correct preliminary title. - Due Diligence Vendor-06/25/2025<br>| Months Reserves exceed minimum required - 6 months required, 63 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 660 required, 794 verified. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842297 | xxxxxx D A | Closed | xxxxxx | 2025-06-16 16:38 | 2025-06-20 16:41 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-1031 Reverse exchange meets lenders underwriting guide lines - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. A 1031 reverse exchange was how the sell was process. Due to IRS rules, the investor cannot own both properties simultaneously in a reverse exchange. Therefore, an EAT, also known as an accommodator, is used to "park" the replacement property while the investor works on selling their relinquished property. Please contract and email explaining the process, kindly clear finding. - Seller-06/19/2025 <br> Open-The borrower is not the owner of xxxxxx or the owner of xxxxxx, the LLC that owns xxxxxx. The note and mortgage were signed in the name of xxxxxx by a third party who has 100% ownership in xxxxxx which holds 100% ownership in xxxxxx. (pages 573 581) The borrower signed the guaranty but since the borrower has no ownership in the corporation that signed the note or mortgage it is not sufficient. The borrower has to take ownership of the corporation to consider. The numbers were run with the sale of the 1031 exchange property having been liquidated and this would need to occur to consider. Additional stipulations may apply. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. A 1031 reverse exchange was how the sell was process. Due to IRS rules, the investor cannot own both properties simultaneously in a reverse exchange. Therefore, an EAT, also known as an accommodator, is used to "park" the replacement property while the investor works on selling their relinquished property. Please contract and email explaining the process, kindly clear finding. - Seller-06/19/2025<br>| Resolved-1031 Reverse exchange meets lenders underwriting guide lines - Due Diligence Vendor-06/20/2025<br>| Months Reserves exceed minimum required - 6 months required, 63 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 660 required, 794 verified. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842297 | xxxxxx D A | Closed | xxxxxx | 2025-06-13 12:48 | 2025-06-20 15:45 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/legal description - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. Deed of Trust with legal description provided, please clear finding. - Seller-06/19/2025 <br> Ready for Review-Document Uploaded. A 1031 reverse exchange was how the sell was process. Due to IRS rules, the investor cannot own both properties simultaneously in a reverse exchange. Therefore, an EAT, also known as an accommodator, is used to "park" the replacement property while the investor works on selling their relinquished property. Please contract and email explaining the process, kindly clear finding. - Seller-06/19/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing required Exhibit A attached to DOT. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. Deed of Trust with legal description provided, please clear finding. - Seller-06/19/2025 <br>Ready for Review-Document Uploaded. A 1031 reverse exchange was how the sell was process. Due to IRS rules, the investor cannot own both properties simultaneously in a reverse exchange. Therefore, an EAT, also known as an accommodator, is used to "park" the replacement property while the investor works on selling their relinquished property. Please contract and email explaining the process, kindly clear finding. - Seller-06/19/2025<br>| Resolved-Received DOT w/legal description - Due Diligence Vendor-06/20/2025<br>| Months Reserves exceed minimum required - 6 months required, 63 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 660 required, 794 verified. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842321 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842331 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842334 | xxxxxx C B A | Closed | xxxxxx | 2025-01-08 05:12 | 2025-07-09 14:25 | Waived | 3 - Material C | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Waived--Originator waiver request applied to material finding and will remain material until statute of limitations expires. One year; expiration date is xxxxxx. - Due Diligence Vendor-07/09/2025 <br> Counter-Non Curable - both LE xxxxxx and CD xxxxxx have esignatures on xxxxxx. - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. - Seller-01/29/2025 <br> Counter-Client response: The one on the xxxxxx was caught and was cancelled as per our redisclosure department. We have one that was issued on the xxxxxx,please see attached. Audit response: Both the LE and the CD dated xxxxxx were e-signed by borrower on xxxxxx so the borrower received both on same day. Finding remains. <br> - Due Diligence Vendor-01/23/2025 <br> Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the revised closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. ----Please provide evidence that Le xxxxxx was acknowledged by borrower on xxxxxx prior to receipt of Initial Cd xxxxxx. Statute of Limitations - One year; expiration date is xxxxxx. - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-01/29/2025<br>| Waived--Originator waiver request applied to material finding and will remain material until statute of limitations expires. One year; expiration date is xxxxxx. - Due Diligence Vendor-07/09/2025 | Months Reserves exceed minimum required - 10.68 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 807, minimum score 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 842334 | xxxxxx C B A | Closed | xxxxxx | 2025-01-08 05:12 | 2025-07-09 14:25 | Waived | 3 - Material C | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Waived--Originator waiver request applied to material finding and will remain material until statute of limitations expires. One year; expiration date is xxxxxx. - Due Diligence Vendor-07/09/2025 <br> Counter-Non Curable - both LE xxxxxx and CD xxxxxx have esignatures on xxxxxx. - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. - Seller-01/29/2025 <br> Counter-Client response: The one on the xxxxxx was caught and was cancelled as per our redisclosure department. We have one that was issued on the xxxxxx,please see attached. Audit response: Both the LE and the CD dated xxxxxx were e-signed by borrower on xxxxxx so the borrower received both on same day. Finding remains. - Due Diligence Vendor-01/23/2025 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ----- Initial CD (xxxxxx) has been issued on the same date as the Final LE (xxxxxx) which is not allowable per applicable statute, must have a one day gap. Per statute, there is no cure for this violation. Statute of Limitations - One year; expiration date is xxxxxx. - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-01/29/2025<br>| Waived--Originator waiver request applied to material finding and will remain material until statute of limitations expires. One year; expiration date is xxxxxx. - Due Diligence Vendor-07/09/2025 | Months Reserves exceed minimum required - 10.68 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 807, minimum score 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 842334 | xxxxxx C B A | Closed | xxxxxx | 2025-01-13 09:32 | 2025-01-13 09:34 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-PTIN used to verify use of business funds and the borrowers ownership of the LLC<br> Originator exception granted and in file with compensating factors. - Due Diligence Vendor-01/13/2025 <br> Open-PTIN used to verify use of business funds and the borrowers ownership of the LLC - Due Diligence Vendor-01/13/2025 |  | Waived-PTIN used to verify use of business funds and the borrowers ownership of the LLC<br> Originator exception granted and in file with compensating factors. - Due Diligence Vendor-01/13/2025<br>| Months Reserves exceed minimum required - 10.68 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 807, minimum score 680. | Reserves are 9 mo's vs program requirement of 3 mo's.<br> Score is 807 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 842335 | xxxxxx C B A | Closed | xxxxxx | 2025-03-19 11:23 | 2025-08-14 16:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Document Uploaded. - Client exception granted for FTHB not having prior housing history. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-08/14/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Processor must attest that they contacted the individual that completed the VOR and verified the payment and rental information. Exception from originator required that referenced the correct guideline program. - Due Diligence Vendor-07/16/2025 |  | Waived-Document Uploaded. - Client exception granted for FTHB not having prior housing history. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-08/14/2025<br>| LTV is less than guideline maximum - LTV is 75%; max allowed LTV per guides is 80%.<br>Months Reserves exceed minimum required - 14.7 mos reserves; 6 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score is 786; minimum required credit score per guides is 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842335 | xxxxxx C B A | Closed | xxxxxx | 2024-11-22 14:40 | 2025-07-16 15:14 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 14.7 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2024 <br> Open-Audited Reserves of 2.06 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-11/22/2024 | Ready for Review-Document Uploaded. - Seller-11/26/2024<br>| Resolved-Audited Reserves of 14.7 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-07/16/2025<br>| LTV is less than guideline maximum - LTV is 75%; max allowed LTV per guides is 80%.<br>Months Reserves exceed minimum required - 14.7 mos reserves; 6 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score is 786; minimum required credit score per guides is 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842335 | xxxxxx C B A | Closed | xxxxxx | 2025-03-19 11:29 | 2025-03-19 12:17 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.- Duplicate condition - resolved - Due Diligence Vendor-03/19/2025 <br> Open-Processor must attest that they contacted the individual that completed the VOR and verified the payment and rental information.<br> - Due Diligence Vendor-03/19/2025 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.- Duplicate condition - resolved - Due Diligence Vendor-03/19/2025<br>| LTV is less than guideline maximum - LTV is 75%; max allowed LTV per guides is 80%.<br>Months Reserves exceed minimum required - 14.7 mos reserves; 6 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score is 786; minimum required credit score per guides is 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842335 | xxxxxx C B A | Closed | xxxxxx | 2024-11-21 12:56 | 2024-11-22 08:46 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/22/2024 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/22/2024<br>| LTV is less than guideline maximum - LTV is 75%; max allowed LTV per guides is 80%.<br>Months Reserves exceed minimum required - 14.7 mos reserves; 6 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score is 786; minimum required credit score per guides is 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 842337 | xxxxxx C B A | Closed | xxxxxx | 2025-08-04 11:42 | 2025-08-04 16:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted to allow xxxxxx. Non-material waiver applied with comp factors. Deemed non-material due to area not given value and appears to be done in a professional work like manner. - Due Diligence Vendor-08/04/2025 <br> Open-Property Issues are identified for the property The subject has a permitted xxxxxx. xxxxxx. Value is given to the rec room only. There is also a xxxxxx. Lender exception provided. - Due Diligence Vendor-08/04/2025 |  | Waived-Client exception granted to allow xxxxxx. Non-material waiver applied with comp factors. Deemed non-material due to area not given value and appears to be done in a professional work like manner. - Due Diligence Vendor-08/04/2025 | LTV is less than guideline maximum - 54.55% LTV is less than 75% max.<br>Verified employment history exceeds guidelines - Employed at same job > 5 years<br>Qualifying FICO score is at least 20 points above minimum for program - 777 Credit Score 30+ points > minimum required. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required<br> Employed at same job > 5 years | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 842401 | xxxxxx B A | Closed | xxxxxx | 2025-08-04 13:31 | 2025-08-06 09:33 | Resolved | 1 - Information B A | Credit | Eligibility | Purchase Contract Issue | Resolved-Upon further review, the loan file contained all required purchase contract documentation. - Due Diligence Vendor-08/06/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing copy of the Purchase Contract Addendum supporting the seller credit in the amount of $15,000. - Due Diligence Vendor-08/04/2025 |  | Resolved-Upon further review, the loan file contained all required purchase contract documentation. - Due Diligence Vendor-08/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 785 and minimum allowed is 680.<br>Qualifying DTI below maximum allowed - DTI is 42.01% and max allowed is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842414 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 842422 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 842459 | xxxxxx B A | Closed | xxxxxx | 2025-07-25 14:43 | 2025-07-25 14:47 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/25/2025<br>| Months Reserves exceed minimum required - 14 months available vs. 6 required<br>Qualifying FICO score is at least 20 points above minimum for program - 730 vs. min FICO 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842462 | xxxxxx C B A | Closed | xxxxxx | 2025-07-30 16:03 | 2025-09-09 20:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Originator waiver applied to non-material finding with compensating factors- (project has no safety, soundness or structural deficiencies.) - Due Diligence Vendor-09/10/2025 <br> Open-This exception is for xxxxxx Foreign National, owns investment property, xxxxxx, established building, xxxxxx . The property is owned free and clear. They are looking for cash out for future investments and to pay current owner responsibility assessment balance in the amount of about $27,000.00. By paying assessment Borrower will only be responsible for monthly HOA $1,200.00.. The project has no safety, soundness, or structural issues per questionnaire. Loan to value 40.541%. xxxxxx. xxxxxx exception in file. - Due Diligence Vendor-07/30/2025 |  | Waived-Originator waiver applied to non-material finding with compensating factors- (project has no safety, soundness or structural deficiencies.) - Due Diligence Vendor-09/10/2025<br>| LTV is less than guideline maximum - maximum LTV is 60% - loan has 40.54%<br>Months Reserves exceed minimum required - 6 months reserves required - borrower has 59.73 months reserves | - Free and Clear property<br> - LTV 40.541%<br> - Reserves 58.94 months<br> - DSCR 1.01% (NOT MET) | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 842462 | xxxxxx C B A | Closed | xxxxxx | 2025-07-28 10:48 | 2025-07-31 13:38 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description provided. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description is missing - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-Legal description provided. - Due Diligence Vendor-07/31/2025<br>| LTV is less than guideline maximum - maximum LTV is 60% - loan has 40.54%<br>Months Reserves exceed minimum required - 6 months reserves required - borrower has 59.73 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842464 | xxxxxx B A | Closed | xxxxxx | 2025-08-05 18:02 | 2025-08-05 18:02 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/05/2025<br>| Qualifying DTI below maximum allowed - 40.67% DTI with 50% max<br>Qualifying FICO score is at least 20 points above minimum for program - 723 FICO with 700 min |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 842468 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 842478 | xxxxxx D A B | Closed | xxxxxx | 2025-07-31 09:52 | 2025-08-18 09:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received re taxes, 1008 and 1003 - considering HOA $1,137.32 monthly. - Due Diligence Vendor-08/18/2025 <br> Open-Missing taxes and insurance for REO xxxxxx. Audit used monthly HOA of $1,137.32 which was provided in the loan file. Subject transaction paid off HELOC to this property. Borrower would still be liable for HOA, Taxes and Insurance. Based on the 1008 in the file it appears the lender excluded all liabilities for this REO; audit unable to determine why. Provide taxes and insurance which will result in DTI being recalculated or documents to support exclusion. Addition conditions may apply. - Due Diligence Vendor-07/31/2025 |  | Resolved-Received re taxes, 1008 and 1003 - considering HOA $1,137.32 monthly. - Due Diligence Vendor-08/18/2025<br>| LTV is less than guideline maximum - LTV 49.71%. Per guides, maximum LTV 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO 732 score . Per guides, minimum score required 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842478 | xxxxxx D A B | Closed | xxxxxx | 2025-07-31 09:52 | 2025-08-18 09:41 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-08/18/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing taxes and insurance for REO xxxxxx. Audit used monthly HOA of $1,137.32 which was provided in the loan file. Subject transaction paid off HELOC to this property. Borrower would still be liable for HOA, Taxes and Insurance. Based on the 1008 in the file it appears the lender excluded all liabilities for this REO; audit unable to determine why. Provide taxes and insurance which will result in DTI being recalculated or documents to support exclusion. Addition conditions may apply. - Due Diligence Vendor-07/31/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-08/18/2025<br>| LTV is less than guideline maximum - LTV 49.71%. Per guides, maximum LTV 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO 732 score . Per guides, minimum score required 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842478 | xxxxxx D A B | Closed | xxxxxx | 2025-07-30 18:23 | 2025-08-18 09:41 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Received correct 1008 - Due Diligence Vendor-08/07/2025 <br> Open-Approval/Underwriting Summary Partially Provided Lender 1008 in file reflect LTV 51.21% based on loan amount of xxxxxx. Note xxxxxx loan amount xxxxxx. Missing Final 1008 / Loan Approval with correct loan amount - Due Diligence Vendor-07/31/2025 |  | Resolved-Received correct 1008 - Due Diligence Vendor-08/07/2025<br>| LTV is less than guideline maximum - LTV 49.71%. Per guides, maximum LTV 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO 732 score . Per guides, minimum score required 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842478 | xxxxxx D A B | Closed | xxxxxx | 2025-07-25 12:36 | 2025-07-31 09:56 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- APR on subject loan of 7.088% is within allowable threshold of APOR of 6.67% + 1.75%, or 8.42% - Due Diligence Vendor-07/31/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- APR on subject loan of 7.088% is within allowable threshold of APOR of 6.67% + 1.75%, or 8.42%. - Due Diligence Vendor-07/25/2025 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- APR on subject loan of 7.088% is within allowable threshold of APOR of 6.67% + 1.75%, or 8.42% - Due Diligence Vendor-07/31/2025 | LTV is less than guideline maximum - LTV 49.71%. Per guides, maximum LTV 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO 732 score . Per guides, minimum score required 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842487 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 842514 | xxxxxx D A | Closed | xxxxxx | 2025-07-23 07:01 | 2025-08-04 10:40 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-08/04/2025 <br> Open-Additional valuation product has not been provided. - Additional valuation product has not been provided. - Due Diligence Vendor-07/23/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-08/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 736; guidelines require 660<br>Months Reserves exceed minimum required - 16 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842524 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842529 | xxxxxx D B A | Closed | xxxxxx | 2025-07-22 19:31 | 2025-08-11 09:45 | Resolved | 1 - Information C A | Credit | Insurance | xxxxxx Coverage not met | Resolved-Received liability coverage confirming sufficient xxxxxx coverage. - Due Diligence Vendor-08/11/2025 <br> Open-xxxxxx Coverage not met. HOA or co-op corporation xxxxxx/crime insurance policy must include coverage for the acts of any management agent. Condo policy does not reflect any xxxxxx Coverage. - Due Diligence Vendor-07/22/2025 |  | Resolved-Received liability coverage confirming sufficient xxxxxx coverage. - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO borrower has 707<br>Months Reserves exceed minimum required - 3 months reserves required - borrower has 7.05 months reserves verified |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 842529 | xxxxxx D B A | Closed | xxxxxx | 2025-07-22 20:56 | 2025-08-01 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received letter of explanation from borrower. - Due Diligence Vendor-08/01/2025 <br> Open-Per guides, Investment property only. Borrower may not reside in dwelling for more than 14 days in a given calendar year. <br> The Borrower states they have been living rent free for 2 years, 2 months at non-subject address. A rent-free letter dated 6/17/2025 states borrower has been living rent-free at the non-subject address for the past 2 years. However, Letters of Explanation are required for the discrepancies concerning the borrower's occupancy as it relates to the subject property as non-owner occupied and the eligibility of the subject refinance. Additional conditions may apply.<br> 1. Driver License issued xxxxxx, lists the subject address.The driver license was issued after the borrower was purportedly residing at the property on the loan application. <br> 2. Articles of Organization (and EIN letter), filed xxxxxx, as well as the Operating Agreement, for borrower's LLC, list the borrower's address as subject property, less than 1 year prior to closing.<br> 3. Property Tax Bill dated xxxxxx reflects borrower's mailing address is subject property. The property tax bill information is less than 6 months prior to closing.<br> 4. Payoff letter for current loan, dated 7/2/2025, reflects the borrower's mailing address as the subject property. The payoff letter is dated 2 weeks prior to closing.<br> 5. Deposit Account Balance Summary from xxxxxx Bank, dated 7/14/2025 reflects the borrower's address as the subject property address. The asset statement is dated 2 days prior to closing.<br> 6. Condo questionnaire states "N/A" for number of investor-owned units. The subject is an investor-owned unit.<br> 7. Credit report reflects borrower utilized the subject property address as recently as 05/2025 in conjunction with having their credit pulled.<br> - Due Diligence Vendor-07/23/2025 |  | Resolved-Received letter of explanation from borrower. - Due Diligence Vendor-08/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO borrower has 707<br>Months Reserves exceed minimum required - 3 months reserves required - borrower has 7.05 months reserves verified |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 842529 | xxxxxx D B A | Closed | xxxxxx | 2025-07-21 16:10 | 2025-08-01 10:15 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received additional valuation product - Due Diligence Vendor-09/10/2025 <br>Open-Additional valuation product has not been provided. - Due Diligence Vendor-07/21/2025 |  | Resolved-Received additional valuation product - Due Diligence Vendor-09/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO borrower has 707<br>Months Reserves exceed minimum required - 3 months reserves required - borrower has 7.05 months reserves verified |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 842529 | xxxxxx D B A | Closed | xxxxxx | 2025-07-21 17:05 | 2025-07-29 09:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client provided a waiver for LTV of 75%, applied to non material finding with comp factors - Due Diligence Vendor-07/29/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% Per guides, LTV is restricted to 70% on a cashout refinance when the DSCR is less than 1.000. The loan closed with an LTV ratio of 75% and exceeds the maximum allowed. - Due Diligence Vendor-07/21/2025 |  | Waived-Client provided a waiver for LTV of 75%, applied to non material finding with comp factors - Due Diligence Vendor-07/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO borrower has 707<br>Months Reserves exceed minimum required - 3 months reserves required - borrower has 7.05 months reserves verified | Reserves exceed requirement by 2 months or more<br> Subject property home ownership > 5 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 842531 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842546 | xxxxxx D B A | Closed | xxxxxx | 2025-08-14 18:00 | 2025-08-21 09:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received signed LOE. - Due Diligence Vendor-08/21/2025 <br>Open-Letter of explanation (p. 6) of the loan file for a previous address is not signed by the borrower. - Due Diligence Vendor-08/14/2025 |  | Resolved-Received signed LOE. - Due Diligence Vendor-08/21/2025<br>| Qualifying DTI below maximum allowed - 3.67% with 50% max<br>Qualifying FICO score is at least 20 points above minimum for program - 799 FICO with 680 min |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842546 | xxxxxx D B A | Closed | xxxxxx | 2025-08-08 11:23 | 2025-08-08 11:23 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-08/08/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-08/08/2025<br>| Qualifying DTI below maximum allowed - 3.67% with 50% max<br>Qualifying FICO score is at least 20 points above minimum for program - 799 FICO with 680 min |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842554 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 842559 | xxxxxx D A C | Closed | xxxxxx | 2025-07-23 13:22 | 2025-07-28 16:40 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received final inspection. - Due Diligence Vendor-07/28/2025 <br>Ready for Review-Document Uploaded. - Seller-07/25/2025 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Completion Report (1004D/442) is absent the loan file. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/25/2025<br>| Resolved-Received final inspection. - Due Diligence Vendor-07/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 799 Min FICO = 660<br>Months Reserves exceed minimum required - <br>LTV is less than guideline maximum - Reserves = 26.42 months – Required Reserves = 2 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842559 | xxxxxx D A C | Closed | xxxxxx | 2025-07-23 18:26 | 2025-07-28 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received underwriting summary. - Due Diligence Vendor-07/28/2025 <br>Ready for Review-Document Uploaded. - Seller-07/25/2025 <br>Open-Missing Approval/Underwriting Summary 1008 is absent the loan file - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/25/2025<br>| Resolved-Received underwriting summary. - Due Diligence Vendor-07/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 799 Min FICO = 660<br>Months Reserves exceed minimum required - <br>LTV is less than guideline maximum - Reserves = 26.42 months – Required Reserves = 2 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842574 | xxxxxx D A | Closed | xxxxxx | 2025-07-31 13:13 | 2025-08-22 10:08 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-08/22/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing income documentation. - Due Diligence Vendor-07/31/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-08/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 717 and minimum allowed is 680.<br>CLTV is less than guidelines maximum - 68.73% CLTV below max allowed of 75% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842574 | xxxxxx D A | Closed | xxxxxx | 2025-07-31 12:57 | 2025-08-22 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Received W2 transcripts. - Due Diligence Vendor-08/22/2025 <br>Counter-Received Year End pay statement-must provide W2s, transcripts or complete WVOE/VOI as noted in guidelines 2.7.5.2.1 - Due Diligence Vendor-08/13/2025 <br>Open-Borrower 1 W2/1099 Missing . Missing copy of the 2024 and 2023 W2 forms or W2 transcripts. - Due Diligence Vendor-07/31/2025 |  | Resolved-Received W2 transcripts. - Due Diligence Vendor-08/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 717 and minimum allowed is 680.<br>CLTV is less than guidelines maximum - 68.73% CLTV below max allowed of 75% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842574 | xxxxxx D A | Closed | xxxxxx | 2025-07-31 13:08 | 2025-08-13 09:43 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Upon further review, the loan file contained all required OFAC search documentation. - Due Diligence Vendor-08/13/2025 <br> Open-OFAC Check Not Completed and/or Cleared for the Broker (xxxxxx). - Due Diligence Vendor-07/31/2025 |  | Resolved-Upon further review, the loan file contained all required OFAC search documentation. - Due Diligence Vendor-08/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 717 and minimum allowed is 680.<br>CLTV is less than guidelines maximum - 68.73% CLTV below max allowed of 75% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842600 | xxxxxx C B A | Closed | xxxxxx | 2025-08-11 10:28 | 2025-08-19 09:29 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Expired | Resolved-Received confirmation no 401k assets considered in transaction-proceeds from sale only. - Due Diligence Vendor-08/19/2025 <br> Counter-Received xxxxxx printout with $140k transfer that was not sourced. Asset 2 is 401k retirement statement-please provide updated statement. - Due Diligence Vendor-08/14/2025 <br> Open-Asset 2 Expired No updated statement in zip files. Statement expired - Due Diligence Vendor-08/11/2025 |  | Resolved-Received confirmation no 401k assets considered in transaction-proceeds from sale only. - Due Diligence Vendor-08/19/2025<br>| Months Reserves exceed minimum required - Min 6, actual 34<br>Verified employment history exceeds guidelines - Min 2 years, actual 5 years S/E and 6 years wage earner<br>On time mortgage history exceeds guideline requirement - Min 12 months, actual 38 and 85 months reviewed 0x30 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842600 | xxxxxx C B A | Closed | xxxxxx | 2025-08-11 10:58 | 2025-08-19 09:28 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-After further review, the system included an extra xxxxxx account, which has been removed. The final DTI is now 48.61%. - Due Diligence Vendor-08/13/2025 <br> Open-Audited DTI of 50.07% exceeds Guideline DTI of 50% Income incorrect on 1008. Calculation of incomes resulted in a total income of $- Due Diligence Vendor-08/11/2025 |  | Resolved-After further review, the system included an extra xxxxxx account, which has been removed. The final DTI is now 48.61%. - Due Diligence Vendor-08/13/2025 | Months Reserves exceed minimum required - Min 6, actual 34<br>Verified employment history exceeds guidelines - Min 2 years, actual 5 years S/E and 6 years wage earner<br>On time mortgage history exceeds guideline requirement - Min 12 months, actual 38 and 85 months reviewed 0x30 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842600 | xxxxxx C B A | Closed | xxxxxx | 2025-08-11 10:49 | 2025-08-13 09:20 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-After further review, the system included an extra xxxxxx account, which has been removed. The final DTI is now 48.61%. - Due Diligence Vendor-08/13/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds guidelines of 50%. - Due Diligence Vendor-08/11/2025 |  | Resolved-After further review, the system included an extra xxxxxx account, which has been removed. The final DTI is now 48.61%. - Due Diligence Vendor-08/13/2025 | Months Reserves exceed minimum required - Min 6, actual 34<br>Verified employment history exceeds guidelines - Min 2 years, actual 5 years S/E and 6 years wage earner<br>On time mortgage history exceeds guideline requirement - Min 12 months, actual 38 and 85 months reviewed 0x30 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842600 | xxxxxx C B A | Closed | xxxxxx | 2025-08-04 17:36 | 2025-08-04 17:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings - Due Diligence Vendor-08/04/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings - Due Diligence Vendor-08/04/2025<br>| Months Reserves exceed minimum required - Min 6, actual 34<br>Verified employment history exceeds guidelines - Min 2 years, actual 5 years S/E and 6 years wage earner<br>On time mortgage history exceeds guideline requirement - Min 12 months, actual 38 and 85 months reviewed 0x30 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842610 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842626 | xxxxxx D A | Closed | xxxxxx | 2025-08-04 09:43 | 2025-08-12 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-08/12/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Additional conditions may apply after review - Due Diligence Vendor-08/04/2025 |  | Resolved-Received HOA questionnaire. - Due Diligence Vendor-08/12/2025<br>| LTV is less than guideline maximum - 75% LTV vs. 85% LTV<br>Months Reserves exceed minimum required - > 88 months vs. 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 718 vs. min FICO of 680 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842626 | xxxxxx D A | Closed | xxxxxx | 2025-08-04 16:28 | 2025-08-08 09:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Received confirmation no rental income considered and qualifying with full PITIA. - Due Diligence Vendor-08/08/2025 |  | Resolved-Received confirmation no rental income considered and qualifying with full PITIA. - Due Diligence Vendor-08/08/2025<br>| LTV is less than guideline maximum - 75% LTV vs. 85% LTV<br>Months Reserves exceed minimum required - > 88 months vs. 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 718 vs. min FICO of 680 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842626 | xxxxxx D A | Closed | xxxxxx | 2025-07-31 10:53 | 2025-08-08 09:51 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/08/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Missing Legal Description - Due Diligence Vendor-07/31/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/08/2025<br>| LTV is less than guideline maximum - 75% LTV vs. 85% LTV<br>Months Reserves exceed minimum required - > 88 months vs. 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 718 vs. min FICO of 680 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842672 | xxxxxx D B A | Closed | xxxxxx | 2025-08-05 13:58 | 2025-08-08 10:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-08/08/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/05/2025 |  | Resolved-Received UDM. - Due Diligence Vendor-08/08/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 4.76%. Per guides, maximum DTI 50%.<br>Months Reserves exceed minimum required - 229 mos reserves. Per guides, 3 reserves required<br>LTV is less than guideline maximum - Borr LTV 30.17%. Per guides, maximum LTV 85%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842672 | xxxxxx D B A | Closed | xxxxxx | 2025-08-05 17:10 | 2025-08-08 10:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received rent free letter. - Due Diligence Vendor-08/08/2025 <br>Open-Missing rent free letter - Due Diligence Vendor-08/05/2025 |  | Resolved-Received rent free letter. - Due Diligence Vendor-08/08/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 4.76%. Per guides, maximum DTI 50%.<br>Months Reserves exceed minimum required - 229 mos reserves. Per guides, 3 reserves required<br>LTV is less than guideline maximum - Borr LTV 30.17%. Per guides, maximum LTV 85%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842672 | xxxxxx D B A | Closed | xxxxxx | 2025-08-05 17:10 | 2025-08-05 17:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow along with excess HOA reserves. - Due Diligence Vendor-09/11/2025 <br> Open-EXCEPTION in file: The condo project has 21% of units with HOA dues delinquent for 60 days or more - Due Diligence Vendor-08/05/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow along with excess HOA reserves. - Due Diligence Vendor-09/11/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 4.76%. Per guides, maximum DTI 50%.<br>Months Reserves exceed minimum required - 229 mos reserves. Per guides, 3 reserves required<br>LTV is less than guideline maximum - Borr LTV 30.17%. Per guides, maximum LTV 85%. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> DTI <= 36% which is below requirement in guidelines<br> Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842680 | xxxxxx C A | Closed | xxxxxx | 2025-08-11 15:16 | 2025-08-26 11:32 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM to complete 12 month housing history. - Due Diligence Vendor-08/26/2025 <br> Counter-Received property profile reflecting mortgage released 3/21/25-finding remains-Housing History Does Not Meet Guideline Requirements In the case the borrower's current primary housing history is less than 12 months, additional payment history from previous mortgage/rent must be supplemented to satisfy full 12 months history. The borrower's credit report only reflects a 1 month history for the borrower's departing primary residence. Missing the remaining 11 months. - Due Diligence Vendor-08/15/2025 <br> Open-Housing History Does Not Meet Guideline Requirements In the case the borrower's current primary housing history is less than 12 months, additional payment history from previous mortgage/rent must be supplemented to satisfy full 12 months history. The borrower's credit report only reflects a 1 month history for the borrower's departing primary residence. Missing the remaining 11 months. - Due Diligence Vendor-08/11/2025 |  | Resolved-Received VOM to complete 12 month housing history. - Due Diligence Vendor-08/26/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 41.53%.<br>Months Reserves exceed minimum required - Months reserves required is 4; qualifying reserves is 5.82 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842680 | xxxxxx C A | Closed | xxxxxx | 2025-08-11 15:26 | 2025-08-13 09:29 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Upon further review, the loan file contained all required 1008 documentation. - Due Diligence Vendor-08/13/2025 <br>Open-Approval/Underwriting Summary Partially Provided Illegible 1008 - Due Diligence Vendor-08/11/2025 |  | Resolved-Upon further review, the loan file contained all required 1008 documentation. - Due Diligence Vendor-08/13/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 41.53%.<br>Months Reserves exceed minimum required - Months reserves required is 4; qualifying reserves is 5.82 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842682 | xxxxxx B A | Closed | xxxxxx | 2025-08-02 08:28 | 2025-08-04 13:03 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-08/02/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-08/02/2025<br>| Qualifying DTI below maximum allowed - DTI = 19.64% - Max DTI = 45.00%<br>Months Reserves exceed minimum required - Reserves = 14.43 months – Required Reserves = 12Months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842690 | xxxxxx C B A | Closed | xxxxxx | 2025-08-08 14:13 | 2025-08-22 10:05 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-08/22/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing exhibit A, legal description - Due Diligence Vendor-08/08/2025 |  | Resolved-Received Legal. - Due Diligence Vendor-08/22/2025<br>| On time mortgage history exceeds guideline requirement - Borrs 54mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>Qualifying DTI below maximum allowed - Borr DTI 40.91%. Per guides, maximum DTI 50%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842690 | xxxxxx C B A | Closed | xxxxxx | 2025-08-08 14:19 | 2025-08-11 12:11 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/08/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/08/2025<br>| On time mortgage history exceeds guideline requirement - Borrs 54mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>Qualifying DTI below maximum allowed - Borr DTI 40.91%. Per guides, maximum DTI 50%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 842710 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 842711 | xxxxxx C B A | Closed | xxxxxx | 2025-08-06 13:52 | 2025-08-06 14:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project has pending litigation | Waived-Client waiver applied to non material finding with compensating factors- Subject is on ground floor with no balcony or elevated elements and repairs do not impact subject unit or borrower, litigation is covered by the insurance, all other units are recommended for minor repairs and will take months to complete those repairs. The litigation is minor and does not replate to building safety or structural issues. - Due Diligence Vendor-09/24/2025 <br> Open-Lender Exception approval in file for pending litigation (pg. 1): The lawsuit concerns a fall that occurred on the premises. (see pg. 407). The lawsuit is against the HOA, it is Minor, and the lawsuit does not relate to the building's safety, structural or functionality. The plaintiff has made a demand of $850,000 in the lawsuit, and the lawsuit is covered by insurance sufficient to cover damages (page 407). - Due Diligence Vendor-08/06/2025 |  | Waived-Client waiver applied to non material finding with compensating factors- Subject is on ground floor with no balcony or elevated elements and repairs do not impact subject unit or borrower, litigation is covered by the insurance, all other units are recommended for minor repairs and will take months to complete those repairs. The litigation is minor and does not replate to building safety or structural issues. - Due Diligence Vendor-09/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 718. Per guides, minimum score required 660.<br>LTV is less than guideline maximum - Borr LTV 65%. Per guides, maximum LTV 90%. | -LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> - Credit Score 30+ points > minimum required<br> - Employed at same job > 2 years | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842711 | xxxxxx C B A | Closed | xxxxxx | 2025-08-06 11:43 | 2025-08-06 14:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Property Issues are identified for the property Client Waiver applied to Non-Material finding with comp factors. The xxxxxx project completed xxxxxx, inspection for exterior elevated elements per SB326 xxxxxx law, indicated multiple units recommended for xxxxxx. No evidence xxxxxx were completed however, the subject unit is on the xxxxxx. Lender Exception in file. <br> Per guides pg3, Projects with significant deferred maintenance regarding safety are not eligible. - Due Diligence Vendor-08/06/2025 |  | Waived-Property Issues are identified for the property Client Waiver applied to Non-Material finding with comp factors. The xxxxxx project completed xxxxxx, inspection for exterior elevated elements per SB326 xxxxxx law, indicated multiple units recommended for xxxxxx. No evidence xxxxxx were completed however, the subject unit is on the xxxxxx. Lender Exception in file. <br> Per guides pg3, Projects with significant deferred maintenance regarding safety are not eligible. - Due Diligence Vendor-08/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 718. Per guides, minimum score required 660.<br>LTV is less than guideline maximum - Borr LTV 65%. Per guides, maximum LTV 90%. | Lender comp factors:<br> - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> - Credit Score 30+ points > minimum required<br> - Employed at same job > 2 years | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842738 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 842749 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 842751 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842764 | xxxxxx D B A C | Closed | xxxxxx | 2025-08-05 14:17 | 2025-08-28 10:53 | Resolved | 1 - Information C B | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Resolved-Received Desk Review. Appraised value is support with no variance. - Due Diligence Vendor-08/28/2025 <br> Counter-Client comments - However, according to the guideline, if the FSD score is 0.13 or lower when the xxxxxx score is at least 90%, it is considered acceptable. Please refer to the guideline for details and kindly reconsider the condition. AUDIT RESPONSE - Please provide a secondary valuation supporting the appraised value within 10% required for securitization. <br> - Due Diligence Vendor-08/14/2025 <br> Counter-AVM provided, however it does not support the value within 10%. Finding remains. - Due Diligence Vendor-08/08/2025 <br> Open-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-10.85'. Please verify property appraisal data. If the AVM reflects a value more than 10% below the appraised value, or cannot provide a value, the file must include an enhanced desk review product, field review, or a second appraisal. These may not be from the same appraiser or appraisal company as the original report. - Due Diligence Vendor-08/05/2025 |  | Resolved-Received Desk Review. Appraised value is support with no variance. - Due Diligence Vendor-08/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 734 vs. min FICO 700<br>CLTV is less than guidelines maximum - 53.54% vs. max LTV 85%<br>Qualifying DTI below maximum allowed - 40.55% DTI vs. max DTI 50%<br>Months Reserves exceed minimum required - > 19 months available vs. 0 months required |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842764 | xxxxxx D B A C | Closed | xxxxxx | 2025-08-05 16:24 | 2025-08-08 09:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-08/08/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing The Borrower 1 Lender Worksheet is Missing - Due Diligence Vendor-08/05/2025 |  | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-08/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 734 vs. min FICO 700<br>CLTV is less than guidelines maximum - 53.54% vs. max LTV 85%<br>Qualifying DTI below maximum allowed - 40.55% DTI vs. max DTI 50%<br>Months Reserves exceed minimum required - > 19 months available vs. 0 months required |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842764 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-31 14:32 | 2025-07-31 14:32 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/31/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 734 vs. min FICO 700<br>CLTV is less than guidelines maximum - 53.54% vs. max LTV 85%<br>Qualifying DTI below maximum allowed - 40.55% DTI vs. max DTI 50%<br>Months Reserves exceed minimum required - > 19 months available vs. 0 months required |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 842767 | xxxxxx D A | Closed | xxxxxx | 2025-08-10 14:29 | 2025-08-12 10:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-08/12/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-08/10/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-08/12/2025<br>| Months Reserves exceed minimum required - Reserves = 43.55 months – Required Reserves = 2 Months<br>LTV is less than guideline maximum - LTV = 24.16% - Max LTV = 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842770 | xxxxxx D A | Closed | xxxxxx | 2025-07-31 13:15 | 2025-08-01 15:46 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Lender confirmed there is a 36 month prepay. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. - Seller-08/01/2025 <br> Open-Tape states no PPP, PPP Addendum in file with CD showing PPP. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-08/01/2025<br>| Resolved-Lender confirmed there is a 36 month prepay. - Due Diligence Vendor-08/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 744 with minimum of 640 allowed<br>LTV is less than guideline maximum - LTV 75% is lower than max 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842770 | xxxxxx D A | Closed | xxxxxx | 2025-07-30 17:38 | 2025-08-01 15:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. - Seller-08/01/2025 <br>Open-Missing Third Party Fraud Report Fraud report is missing - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-08/01/2025<br>| Resolved-Third Party Fraud Report provided - Due Diligence Vendor-08/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 744 with minimum of 640 allowed<br>LTV is less than guideline maximum - LTV 75% is lower than max 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842770 | xxxxxx D A | Closed | xxxxxx | 2025-07-31 13:55 | 2025-08-01 15:38 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Third Party Fraud Report provided - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. - Seller-08/01/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Fraud report is missing - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-08/01/2025<br>| Resolved-Third Party Fraud Report provided - Due Diligence Vendor-08/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 744 with minimum of 640 allowed<br>LTV is less than guideline maximum - LTV 75% is lower than max 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842770 | xxxxxx D A | Closed | xxxxxx | 2025-07-31 13:55 | 2025-08-01 15:38 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Third Party Fraud Report provided - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. - Seller-08/01/2025 <br>Open-OFAC Check Not Completed and/or Cleared Fraud report is missing - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-08/01/2025<br>| Resolved-Third Party Fraud Report provided - Due Diligence Vendor-08/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 744 with minimum of 640 allowed<br>LTV is less than guideline maximum - LTV 75% is lower than max 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842770 | xxxxxx D A | Closed | xxxxxx | 2025-07-30 17:06 | 2025-08-01 15:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate provided. - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. - Seller-08/01/2025 <br>Open-Missing Flood Certificate Missing Life of Loan Flood Cert. (flood zone AE from appraisal) - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-08/01/2025<br>| Resolved-Flood Certificate provided. - Due Diligence Vendor-08/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 744 with minimum of 640 allowed<br>LTV is less than guideline maximum - LTV 75% is lower than max 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842826 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 842839 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842842 | xxxxxx C B A | Closed | xxxxxx | 2025-07-25 18:14 | 2025-07-31 09:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for reserves <12 months, applied to non material finding with comp factors - Due Diligence Vendor-07/31/2025 <br>Open-Audited Reserves of 11.49 month(s) are less than Guideline Required Reserves of 12 month(s) Additional assets required to cover reserves required. - Due Diligence Vendor-07/25/2025 |  | Waived-Client provided a waiver for reserves <12 months, applied to non material finding with comp factors - Due Diligence Vendor-07/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 729 guidelines require 660<br>LTV is less than guideline maximum - • Qualifying CLTV 65% Guideline max 75% | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Credit Score 20 points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842846 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842852 | xxxxxx C A | Closed | xxxxxx | 2025-08-02 14:50 | 2025-08-06 09:39 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Upon further review, the loan file contained all required flood notification disclosures. - Due Diligence Vendor-08/06/2025 <br>Open-Subject Property is in Flood Zone A but Notice of Special Flood Hazard Disclosure was not provided Notice of Special Flood Hazards is not signed. - Due Diligence Vendor-08/02/2025 |  | Resolved-Upon further review, the loan file contained all required flood notification disclosures. - Due Diligence Vendor-08/06/2025<br>| Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 57.16 months.<br>LTV is less than guideline maximum - Max LTV is 75; qualifying LTV is 70%. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842852 | xxxxxx C A | Closed | xxxxxx | 2025-08-02 14:50 | 2025-08-06 09:37 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Received PCCD confirming disbursement date of xxxxxx - Due Diligence Vendor-08/06/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-08/02/2025 |  | Resolved-Received PCCD confirming disbursement date of xxxxxx - Due Diligence Vendor-08/06/2025 | Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 57.16 months.<br>LTV is less than guideline maximum - Max LTV is 75; qualifying LTV is 70%. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842891 | xxxxxx D B A | Closed | xxxxxx | 2025-08-03 13:55 | 2025-08-13 09:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax cert confirming re taxes paid current. - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. - Seller-08/13/2025 <br>Counter-Received Tax Cert/CAD reflecting taxes due. Provide confirmation property taxes paid in full. - Due Diligence Vendor-08/11/2025 <br>Open-Missing Evidence of Property Tax, Audit used taxes reflected on the 1008. (additional findings may apply). - Due Diligence Vendor-08/03/2025 | Ready for Review-Document Uploaded. - Seller-08/13/2025<br>| Resolved-Received tax cert confirming re taxes paid current. - Due Diligence Vendor-08/13/2025<br>| Qualifying DTI below maximum allowed - DTI is 37.72% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 642 and minimum allowed is 620 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842891 | xxxxxx D B A | Closed | xxxxxx | 2025-08-03 14:13 | 2025-08-11 09:57 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history confirming June and July payments made. - Due Diligence Vendor-08/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements. Missing proof of June mortgage payment paid for REO xxxxxx. Mortgage statement and credit supplement confirm paid thru May 2025, Loan closed xxxxxx. - Due Diligence Vendor-08/05/2025 |  | Resolved-Received payment history confirming June and July payments made. - Due Diligence Vendor-08/11/2025<br>| Qualifying DTI below maximum allowed - DTI is 37.72% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 642 and minimum allowed is 620 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842891 | xxxxxx D B A | Closed | xxxxxx | 2025-07-31 12:37 | 2025-08-11 07:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Required Affiliated Business Disclosure, Resolved - Due Diligence Vendor-08/11/2025 <br>Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-07/31/2025 |  | Resolved-Received Required Affiliated Business Disclosure, Resolved - Due Diligence Vendor-08/11/2025<br>| Qualifying DTI below maximum allowed - DTI is 37.72% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 642 and minimum allowed is 620 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842891 | xxxxxx D B A | Closed | xxxxxx | 2025-07-31 13:17 | 2025-08-11 07:22 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured-Received copy of check in the amount of $212.10, post-close CD, LOE and evidence of delivery. Finding cured. - Due Diligence Vendor-08/11/2025 <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% ($2,359.30) exceed the comparable charges ($1,952.00) 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 (Lender's Title Insurance Policy, Title Endorsement Fee, Electronic Recording Service Fee) increased by $212.10 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 $212.10, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations is 3 years ; Expiration date xxxxxx - Due Diligence Vendor-07/31/2025 |  | Cured-Received copy of check in the amount of $212.10, post-close CD, LOE and evidence of delivery. Finding cured. - Due Diligence Vendor-08/11/2025<br>| Qualifying DTI below maximum allowed - DTI is 37.72% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 642 and minimum allowed is 620 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842916 | xxxxxx D A | Closed | xxxxxx | 2025-07-25 08:20 | 2025-08-07 09:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received VOR. - Due Diligence Vendor-08/07/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. 1003 indicate borrower currently renting for 1 yr. Rental history not provided.- Finding added to provide rental history for current address - Due Diligence Vendor-07/25/2025 |  | Resolved-Received VOR. - Due Diligence Vendor-08/07/2025<br>| Months Reserves exceed minimum required - Total qualifying 30 months reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 695 guidelines require 660 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842929 | xxxxxx C A | Closed | xxxxxx | 2025-08-09 09:18 | 2025-08-15 09:25 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received revised appraisal confirming xxxxxx not required as xxxxxx present. - Due Diligence Vendor-08/15/2025 <br> Open-Property Issues are identified for the property Missing evidence that there is a xxxxxx. - Due Diligence Vendor-08/09/2025 |  | Resolved-Received revised appraisal confirming xxxxxx. - Due Diligence Vendor-08/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - 787 FICO with 680 min<br>Months Reserves exceed minimum required - 64.57 months reserves with 4 min |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842930 | xxxxxx D B A | Closed | xxxxxx | 2025-09-15 09:12 | 2025-09-15 09:12 | Waived | 2 - Non-Material B | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Waived--Desk review product shows variance from origination and field review obtained to support value within 10%. S&P grade B. Waiver applied to finding. - Due Diligence Vendor-09/15/2025 |  | Waived--Desk review product shows variance from origination and field review obtained to support value within 10%. S&P grade B. Waiver applied to finding. - Due Diligence Vendor-09/15/2025<br>| Months Reserves exceed minimum required - 154.21mos reserves. Per guides, 4 reserves required <br>Qualifying DTI below maximum allowed - Borr DTI 22.59%. Per guides, maximum DTI 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 842930 | xxxxxx D B A | Closed | xxxxxx | 2025-06-26 10:12 | 2025-06-30 09:54 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. No affiliated business. Please waive this condition. - Seller-06/30/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. [SPL shows affiliate status of xxxxxx as No. Affiliate status for xxxxxx is absent.]<br> - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. No affiliated business. Please waive this condition. - Seller-06/30/2025<br>| Waived-Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - 154.21mos reserves. Per guides, 4 reserves required <br>Qualifying DTI below maximum allowed - Borr DTI 22.59%. Per guides, maximum DTI 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 842940 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842950 | xxxxxx B A | Closed | xxxxxx | 2025-07-25 08:03 | 2025-07-31 16:48 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-07/31/2025 <br> Open-PPP not permitted in xxxxxx for LLC - Due Diligence Vendor-07/25/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-07/31/2025<br>| CLTV is less than guidelines maximum - max CLTV of 75% loan has 70%<br>Qualifying FICO score is at least 20 points above minimum for program - 700 minimum FICO - borrower has 752 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 842953 | xxxxxx C A | Closed | xxxxxx | 2025-07-21 16:53 | 2025-07-28 11:29 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received complete HOI policy. - Due Diligence Vendor-07/28/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. - Missing policy with coverage breakdown - Due Diligence Vendor-07/21/2025 |  | Resolved-Received complete HOI policy. - Due Diligence Vendor-07/28/2025<br>| Credit history exceeds minimum required - Exceeds guideline requirements of two years<br>Months Reserves exceed minimum required - > 87 months vs. 12 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842956 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842972 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 842997 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 843025 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-07 10:45 | 2025-08-18 11:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors. VOR provided, no other alternative docs provided to show 6 months payments made. VOR does not reflect late payments. - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-08/18/2025 <br>Counter-Private Party VOR provided, however the guidelines require alternative documentation showing the most recent 6-month history (cancelled checks, rental statements including payment history, etc.). - Due Diligence Vendor-08/12/2025 <br>Open-Missing VOR/payment history on current residence (lease provided) - Due Diligence Vendor-08/07/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. VOR provided, no other alternative docs provided to show 6 months payments made. VOR does not reflect late payments. - Due Diligence Vendor-08/18/2025<br>| Qualifying DTI below maximum allowed - DTI 36.61% MAX DTI 45%<br>Months Reserves exceed minimum required - 10.93 mos reserves; 6 mos required | Residual income is 2.5 greater than amount required by guidelines.<br> Reserves exceed requirement by 6 months or more. | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 843025 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-01 13:21 | 2025-08-12 07:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received ABA, finding resolved. - Due Diligence Vendor-08/12/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-08/01/2025 |  | Resolved-Received ABA, finding resolved. - Due Diligence Vendor-08/12/2025<br>| Qualifying DTI below maximum allowed - DTI 36.61% MAX DTI 45%<br>Months Reserves exceed minimum required - 10.93 mos reserves; 6 mos required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843025 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-01 12:49 | 2025-08-07 11:34 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | xxxxxx Subprime Home Loan Test | Waived-APR on subject loan of 8.804% is in excess of allowable threshold of APOR of 6.75% + 1.75%, or 8.5%. Non-Compliant xxxxxx Subprime Loan. - Due Diligence Vendor-08/12/2025 <br> Open-This loan failed the xxxxxx subprime home loan test. (xxxxxx SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the xxxxxx Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. ----- APR on subject loan of 8.804% is in excess of allowable threshold of APOR of 6.75% + 1.75%, or 8.5%. Non-Compliant SubPrime Loan. - Due Diligence Vendor-08/01/2025 |  | Waived-APR on subject loan of 8.804% is in excess of allowable threshold of APOR of 6.75% + 1.75%, or 8.5%. Non-Compliant xxxxxx Subprime Loan. - Due Diligence Vendor-08/12/2025 | Qualifying DTI below maximum allowed - DTI 36.61% MAX DTI 45%<br>Months Reserves exceed minimum required - 10.93 mos reserves; 6 mos required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 843026 | xxxxxx C A | Closed | xxxxxx | 2025-08-13 17:59 | 2025-08-19 09:39 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCd confirming distribution date of xxxxxx. - Due Diligence Vendor-08/19/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-08/13/2025 |  | Resolved-Received PCCd confirming distribution date of xxxxxx. - Due Diligence Vendor-08/19/2025 | LTV is less than guideline maximum - 70% < 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 764. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843028 | xxxxxx B A | Closed | xxxxxx | 2025-08-11 11:57 | 2025-08-11 11:57 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-08/11/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 794. Per guides, minimum score required 660.<br>Months Reserves exceed minimum required - 47.01mos reserves. Per guides, 6 reserves required <br>On time mortgage history exceeds guideline requirement - Borrs 26mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 843039 | xxxxxx C B A | Closed | xxxxxx | 2025-07-31 09:20 | 2025-09-11 11:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Originator waiver applied to non material finding with compensating factors. Exception form in the file requests Allow 6 months reserves when LTV/CLTV >= 85% vs. 12 months reserves when LTV/CLTV >= 85%.<br> - Due Diligence Vendor-09/11/2025 <br>Open-Audited Reserves of 7.07 month(s) are less than Guideline Required Reserves of 12 month(s) verified reserves equal 7.07 months, guidelines require 12 months. Exception form in the file requests Allow 6 months reserves when LTV/CLTV >= 85% vs. 12 months reserves when LTV/CLTV >= 85%.<br> - Due Diligence Vendor-07/31/2025 |  | Waived--Originator waiver applied to non material finding with compensating factors. Exception form in the file requests Allow 6 months reserves when LTV/CLTV >= 85% vs. 12 months reserves when LTV/CLTV >= 85%.<br> - Due Diligence Vendor-09/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 725 and minimum allowed is 680<br>Qualifying DTI below maximum allowed - DTI is 27.98% and max allowed is 50% | DTI <= 36% which is below requirement in guidelines<br> Residual income more than 2.5x the amount required by guidelines<br> Credit Score Credit Score 30+ points > minimum required | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 843039 | xxxxxx C B A | Closed | xxxxxx | 2025-07-31 13:07 | 2025-08-01 15:21 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of xxxxxx is sufficient based on the type of subject lien. Title closing instructions with updated coverage amount in file. - Due Diligence Vendor-08/01/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). The title commitment refelcts a coverage amount of xxxxxx, the loan amount is xxxxxx. - Due Diligence Vendor-07/31/2025 |  | Resolved-Title Coverage Amount of xxxxxx is sufficient based on the type of subject lien. Title closing instructions with updated coverage amount in file. - Due Diligence Vendor-08/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 725 and minimum allowed is 680<br>Qualifying DTI below maximum allowed - DTI is 27.98% and max allowed is 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843045 | xxxxxx C B A | Closed | xxxxxx | 2025-08-18 11:26 | 2025-08-19 15:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client exception granted to allow rural property. Non-material waiver applied with comp factors. Deemed non-material due to less than 5 acres and marketing time < 3 months. - Due Diligence Vendor-08/19/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural property not allowed - Due Diligence Vendor-08/18/2025 |  | Waived-Client exception granted to allow rural property. Non-material waiver applied with comp factors. Deemed non-material due to less than 5 acres and marketing time < 3 months. - Due Diligence Vendor-08/19/2025 | On time mortgage history exceeds guideline requirement - 0x30x45<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 716 Min FICO = 680<br>LTV is less than guideline maximum - LTV = 73.35% - Max LTV = 85% | 0x30 for 24 months on all mortgages<br> Credit Score 10 points > minimum required<br> Self-employed for > 2 years | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 843045 | xxxxxx C B A | Closed | xxxxxx | 2025-08-14 13:18 | 2025-08-14 13:18 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/14/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/14/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x45<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 716 Min FICO = 680<br>LTV is less than guideline maximum - LTV = 73.35% - Max LTV = 85% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 843125 | xxxxxx D A | Closed | xxxxxx | 2025-07-30 20:31 | 2025-08-13 07:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestation of no affiliates, finding resolved. - Due Diligence Vendor-08/13/2025 <br>Counter----Received FACTS disclosure which states that client does not share with it's affiliates. Provide documentation of affiliates for fee testing. Additional findings may apply upon receipt. - Due Diligence Vendor-08/07/2025 <br>Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-07/31/2025 |  | Resolved-Received attestation of no affiliates, finding resolved. - Due Diligence Vendor-08/13/2025<br>| CLTV is less than guidelines maximum - Guidelines allow CLTV to 85%. Subject loan CLTV is 69.03%.<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 680 credit score. Qualifying credit score is 701. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843151 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-01 08:10 | 2025-08-22 09:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for <6 months reserves, applied to non material finding with comp factors - Due Diligence Vendor-08/22/2025 <br> Counter-Received updated statement for xxxxxx--short 6 months reserves-have 2 months verified. - Due Diligence Vendor-08/19/2025 <br> Counter-Received breakdown of assets considered-review differs xxxxxx-please provide. - Due Diligence Vendor-08/14/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-08/01/2025 |  | Waived-Client provided a waiver for <6 months reserves, 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 score 746; minimum score 660.<br>Qualifying DTI below maximum allowed - DTI 38.55 ; 45%. | Credit Score 30+ points > minimum required<br> DTI <= 40% which is below requirement in guidelines<br> Residual income more than 1.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 843151 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-01 08:03 | 2025-08-19 09:52 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received updated statement xxxxxx reflecting sufficient funds to close. - Due Diligence Vendor-08/19/2025 <br> Counter-Received breakdown of assets considered-review differs xxxxxx-please provide. - Due Diligence Vendor-08/14/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-7015.53'. Assets are Insufficient. - Due Diligence Vendor-08/01/2025 |  | Resolved-Received updated statement xxxxxx reflecting sufficient funds to close. - Due Diligence Vendor-08/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 746; minimum score 660.<br>Qualifying DTI below maximum allowed - DTI 38.55 ; 45%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843151 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-01 08:14 | 2025-08-14 17:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-After further review, the policy provided includes sufficient information. - Due Diligence Vendor-08/14/2025 <br> Counter-Received duplicate binder-please provide HOI policy reflecting policy number. - Due Diligence Vendor-08/14/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided - Binder was provided only. Missing hazard insurance policy to validate the higher amount used in final cd . - Due Diligence Vendor-08/01/2025 |  | Resolved-After further review, the policy provided includes sufficient information. - Due Diligence Vendor-08/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 746; minimum score 660.<br>Qualifying DTI below maximum allowed - DTI 38.55 ; 45%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843151 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-01 07:21 | 2025-08-14 10:24 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Received department of state confirming corporation is active and in existence since xxxxxx - Due Diligence Vendor-08/14/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Missing proof that borrower business has been in existence for a minimum of two (2) years. - Due Diligence Vendor-08/01/2025 |  | Resolved-Received department of state confirming corporation is active and in existence since xxxxxx - Due Diligence Vendor-08/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 746; minimum score 660.<br>Qualifying DTI below maximum allowed - DTI 38.55 ; 45%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843151 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-29 13:34 | 2025-08-04 10:04 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved------Ten (10%) tolerance fees (Recording Fee) increased by $129.00 without a valid COC in file. Tolerance violation total is $96.90. Final CD includes $96.90 credit for increase in closing cost above legal limit. Finding Resolved. - Due Diligence Vendor-08/04/2025 <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% ($450.00) exceed the comparable charges ($321.00) 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 $129.00 without a valid COC in file. Tolerance violation total is $96.90. Final CD includes $96.90 credit for increase in closing cost above legal limit. Finding Resolved. - Due Diligence Vendor-07/29/2025 |  | Resolved------Ten (10%) tolerance fees (Recording Fee) increased by $129.00 without a valid COC in file. Tolerance violation total is $96.90. Final CD includes $96.90 credit for increase in closing cost above legal limit. Finding Resolved. - Due Diligence Vendor-08/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 746; minimum score 660.<br>Qualifying DTI below maximum allowed - DTI 38.55 ; 45%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843151 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-29 14:46 | 2025-08-04 10:03 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-APR on subject loan of 7.755% is within allowable threshold of APOR of 6.75% + 1.75% or 8.5%. - Due Diligence Vendor-08/04/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR APR on subject loan of 7.755% is within allowable threshold of APOR of 6.75% + 1.75% or 8.5%. - Due Diligence Vendor-07/29/2025 |  | Resolved-APR on subject loan of 7.755% is within allowable threshold of APOR of 6.75% + 1.75% or 8.5%. - Due Diligence Vendor-08/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 746; minimum score 660.<br>Qualifying DTI below maximum allowed - DTI 38.55 ; 45%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843157 | xxxxxx C A | Closed | xxxxxx | 2025-08-13 14:35 | 2025-08-19 10:13 | Resolved | 1 - Information C A | Credit | Closing | Collections, liens or judgments not paid at closing | Resolved-Received Certificate of Release of Federal Tax Lien dated 2018. - Due Diligence Vendor-08/19/2025 <br> Open-Collections, liens or judgments not paid at closing. Missing proof of Federal Tax Lien xxxxxx in the amount of xxxxxx is paid in full and satisfied. All open judgements, garnishments, and all outstanding liens must be paid off prior to or at closing. - Due Diligence Vendor-08/13/2025 |  | Resolved-Received Certificate of Release of Federal Tax Lien dated 2018. - Due Diligence Vendor-08/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 700 and minimum allowed is 660.<br>Qualifying DTI below maximum allowed - DTI is 37.95% and max allowed is 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 843157 | xxxxxx C A | Closed | xxxxxx | 2025-08-07 14:30 | 2025-08-19 09:42 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD dated xxxxxx with disbursement date of xxxxxx. Finding resolved. - Due Diligence Vendor-08/19/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-08/07/2025 |  | Resolved-Received PCCD dated xxxxxx with disbursement date of xxxxxx. Finding resolved. - Due Diligence Vendor-08/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 700 and minimum allowed is 660.<br>Qualifying DTI below maximum allowed - DTI is 37.95% and max allowed is 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 843167 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 843468 | xxxxxx D A | Closed | xxxxxx | 2025-08-05 16:47 | 2025-08-19 10:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-08/19/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-08/05/2025 |  | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-08/19/2025<br>| LTV is less than guideline maximum - Max LTV 80% / Subject LTV 75%<br>Qualifying DTI below maximum allowed - Min FICO 660 / Borrower FICO 818 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843468 | xxxxxx D A | Closed | xxxxxx | 2025-08-05 15:42 | 2025-08-13 09:37 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/13/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-08/05/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/13/2025<br>| LTV is less than guideline maximum - Max LTV 80% / Subject LTV 75%<br>Qualifying DTI below maximum allowed - Min FICO 660 / Borrower FICO 818 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843522 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 843524 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 843532 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 843605 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 843608 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 843622 | xxxxxx C A | Closed | xxxxxx | 2025-08-14 15:22 | 2025-08-20 09:38 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received final title policy reflect #8 of preliminary schedule B removed. - Due Diligence Vendor-08/20/2025 <br> Open-Vested Owner Signature Requirement Not met. Title Schedule B item 8 requires an Affidavit of Death of xxxxxx. Title did not reflect a warranty deed transfer to indicate a possible JR and SR as well as DOT for subject loan was signed by said individual referenced in the affidavit request. - Due Diligence Vendor-08/14/2025 |  | Resolved-Received final title policy reflect #8 of preliminary schedule B removed. - Due Diligence Vendor-08/20/2025<br>| Months Reserves exceed minimum required - Total qualifying 41 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 745 guidelines require 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843640 | xxxxxx C A | Closed | xxxxxx | 2025-08-13 15:14 | 2025-08-19 10:23 | Resolved | 1 - Information C A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required non permanent resident documentation. - Due Diligence Vendor-08/19/2025 <br>Open-File is missing Copy of the BACK of the Visa in file - Copy of Front only provided - Due Diligence Vendor-08/13/2025 |  | Resolved-Upon further review, the loan file contained all required non permanent resident documentation. - Due Diligence Vendor-08/19/2025<br>| Months Reserves exceed minimum required - Reserves = 134 months – Required Reserves = 12 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 725 Min FICO = 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 843640 | xxxxxx C A | Closed | xxxxxx | 2025-08-13 17:32 | 2025-08-19 10:20 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument reflecting full execution by non borrowing spouse - Due Diligence Vendor-08/19/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing signature for xxxxxx - Due Diligence Vendor-08/13/2025 |  | Resolved-Received complete security instrument reflecting full execution by non borrowing spouse - Due Diligence Vendor-08/19/2025<br>| Months Reserves exceed minimum required - Reserves = 134 months – Required Reserves = 12 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 725 Min FICO = 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 843641 | xxxxxx C A | Closed | xxxxxx | 2025-08-07 19:57 | 2025-08-14 10:27 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD dated xxxxxx with disbursement date of xxxxxx, which is after ROR expiration date. Finding resolved. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. xxxxxx please see attached for xxxxxx-Final SS and PCCD - Seller-08/13/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. xxxxxx please see attached for xxxxxx-Final SS and PCCD - Seller-08/13/2025 | Resolved-Received PCCD dated xxxxxx with disbursement date of xxxxxx, which is after ROR expiration date. Finding resolved. - Due Diligence Vendor-08/14/2025 | Qualifying DTI below maximum allowed - 50 allowed, subject 36.44<br>Qualifying FICO score is at least 20 points above minimum for program - 680 required subject 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843646 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 843647 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 843656 | xxxxxx B A | Closed | xxxxxx | 2025-08-21 13:47 | 2025-08-21 13:47 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-08/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-08/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 723.<br>Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 7.25 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 843726 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 843761 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843767 | xxxxxx D A | Closed | xxxxxx | 2025-07-10 15:24 | 2025-07-15 15:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Credit Refresh - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. xxxxxx attached - Seller-07/11/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-07/11/2025 | Resolved-Received Credit Refresh - Due Diligence Vendor-07/15/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 27.69%. Per guides, maximum DTI 49.99%.<br>Months Reserves exceed minimum required - 7.95mos reserves. Per guides, 4 reserves required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843780 | xxxxxx D A | Closed | xxxxxx | 2025-08-13 08:32 | 2025-08-18 09:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, the credit report date was dated within 10 days of closing. - Due Diligence Vendor-08/18/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/13/2025 |  | Resolved-Upon further review, the credit report date was dated within 10 days of closing. - Due Diligence Vendor-08/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 768; minimum score 680.<br>CLTV is less than guidelines maximum - 76.31% < 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843780 | xxxxxx D A | Closed | xxxxxx | 2025-08-13 10:21 | 2025-08-18 09:40 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The mortgage statement confirms the borrower is due for 8/1/25, 0x30x12. - Due Diligence Vendor-08/13/2025 <br> Open-Housing History Does Not Meet Guideline Requirements per guides for closed end 2nd - 0x30 in last 12 months. borrower was late 1x30 on 7/24. note date xxxxxx. - Due Diligence Vendor-08/13/2025 |  | Resolved-The mortgage statement confirms the borrower is due for 8/1/25, 0x30x12. - Due Diligence Vendor-08/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 768; minimum score 680.<br>CLTV is less than guidelines maximum - 76.31% < 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843780 | xxxxxx D A | Closed | xxxxxx | 2025-08-13 10:28 | 2025-08-13 16:18 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-The mortgage statement confirms the borrower is due for 8/1/25, 0x30x12. - Due Diligence Vendor-08/13/2025 <br> Open-ATR: The Lender did not document all ATR Factors per guides for closed end 2nd - 0x30 in last 12 months. borrower was late 1x30 on 7/24. note date xxxxxx. - Due Diligence Vendor-08/13/2025 |  | Resolved-The mortgage statement confirms the borrower is due for 8/1/25, 0x30x12. - Due Diligence Vendor-08/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 768; minimum score 680.<br>CLTV is less than guidelines maximum - 76.31% < 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843780 | xxxxxx D A | Closed | xxxxxx | 2025-08-13 10:28 | 2025-08-13 16:18 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The mortgage statement confirms the borrower is due for 8/1/25, 0x30x12. - Due Diligence Vendor-08/13/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. per guides for closed end 2nd - 0x30 in last 12 months. borrower was late 1x30 on 7/24. note date xxxxxx. - Due Diligence Vendor-08/13/2025 |  | Resolved-The mortgage statement confirms the borrower is due for 8/1/25, 0x30x12. - Due Diligence Vendor-08/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 768; minimum score 680.<br>CLTV is less than guidelines maximum - 76.31% < 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843796 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 843832 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 843836 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 843891 | xxxxxx B A | Closed | xxxxxx | 2025-08-13 16:00 | 2025-08-21 10:04 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-08/21/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/13/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-08/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 812 is higher than the required 661<br>Months Reserves exceed minimum required - 32.65 months reserves exceed required 4 by 28.65 months<br>Qualifying DTI below maximum allowed - DTI 38.23% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843891 | xxxxxx B A | Closed | xxxxxx | 2025-08-07 15:16 | 2025-08-08 12:04 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 812 is higher than the required 661<br>Months Reserves exceed minimum required - 32.65 months reserves exceed required 4 by 28.65 months<br>Qualifying DTI below maximum allowed - DTI 38.23% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 843895 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 843911 | xxxxxx D A C | Closed | xxxxxx | 2025-08-04 14:16 | 2025-08-11 17:19 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-After further review, the guidelines allow social security to be documented with the 1099. - Due Diligence Vendor-08/11/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending income and compliance docs. - Due Diligence Vendor-08/04/2025 |  | Resolved-After further review, the guidelines allow social security to be documented with the 1099. - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 823 <br>Months Reserves exceed minimum required - 535 mths reserves; 6 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843911 | xxxxxx D A C | Closed | xxxxxx | 2025-08-04 11:04 | 2025-08-11 17:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-After further review, the guidelines allow social security to be documented with the 1099. - Due Diligence Vendor-08/11/2025 <br> Counter-Received SSA-1099-missing awards letter or xxxxxx letter and receipt of income. Finding remains. - Due Diligence Vendor-08/06/2025 <br> Open-Borrower 1 Award Letter Missing Missing xxxxxx Ltr/Rcpts - Due Diligence Vendor-08/04/2025 |  | Resolved-After further review, the guidelines allow social security to be documented with the 1099. - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 823 <br>Months Reserves exceed minimum required - 535 mths reserves; 6 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843911 | xxxxxx D A C | Closed | xxxxxx | 2025-08-04 11:44 | 2025-08-11 10:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA and re taxes - Due Diligence Vendor-08/11/2025 <br> Counter-Received 1098 confirming mortgage and HOI-missing HOA and property taxes for xxxxxx. Finding remains. - Due Diligence Vendor-08/06/2025 <br> Open-Missing REO Mtg Stnt- PITIA (xxxxxx) - Due Diligence Vendor-08/04/2025 |  | Resolved-Received HOA and re taxes - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 823 <br>Months Reserves exceed minimum required - 535 mths reserves; 6 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843911 | xxxxxx D A C | Closed | xxxxxx | 2025-08-04 10:46 | 2025-08-11 10:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received master property and liability insurance. - Due Diligence Vendor-08/11/2025 <br>Counter-Received expired master policy. Finding remains. - Due Diligence Vendor-08/06/2025 <br>Open-Missing Condo Master Insurance Policy Missing Mstr Pol - Due Diligence Vendor-08/04/2025 |  | Resolved-Received master property and liability insurance. - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 823 <br>Months Reserves exceed minimum required - 535 mths reserves; 6 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843911 | xxxxxx D A C | Closed | xxxxxx | 2025-08-04 10:46 | 2025-08-11 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received master flood policy. - Due Diligence Vendor-08/11/2025 <br>Open-Missing Flood Insurance Policy Missing Flood Docs (Unit/Bldg) - Due Diligence Vendor-08/04/2025 |  | Resolved-Received master flood policy. - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 823 <br>Months Reserves exceed minimum required - 535 mths reserves; 6 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843911 | xxxxxx D A C | Closed | xxxxxx | 2025-07-30 17:01 | 2025-08-06 08:50 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC dated xxxxxx with explanation for $125 appraisal fee increase and revised LE dated xxxxxx reflecting this. Finding resolved. - Due Diligence Vendor-08/06/2025 <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 $125.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $125.00 (Appraisal 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 $125.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3years- Expiration date is xxxxxx. - Due Diligence Vendor-07/30/2025 |  | Resolved-Received COC dated xxxxxx with explanation for $125 appraisal fee increase and revised LE dated xxxxxx reflecting this. Finding resolved. - Due Diligence Vendor-08/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 823 <br>Months Reserves exceed minimum required - 535 mths reserves; 6 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843919 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 843926 | xxxxxx B A | Closed | xxxxxx | 2025-08-11 10:09 | 2025-08-11 10:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/11/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/11/2025<br>| Verified employment history exceeds guidelines - 5 years same business<br>Qualifying DTI below maximum allowed - 31.61% < 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 843948 | xxxxxx D A | Closed | xxxxxx | 2025-08-13 18:22 | 2025-08-22 09:45 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Received revised HOA questionnaire-reflecting 71% owner occupied. - Due Diligence Vendor-08/22/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Subject primary purchase condo unit. The condo project has total xxxxxx units: Appraisal reflect OOC xxxxxx units and NOOC xxxxxx units vs Condo Questionnaire OOC xxxxxx units and NOOC xxxxxx units. Per the Condo questionnaire the investor concentration is 72%. Per guides pg39: Investor concentration allowed up to 60%. A higher percentage may be considered when the subject transaction is an investment property. - Due Diligence Vendor-08/13/2025 |  | Resolved-Received revised HOA questionnaire-reflecting 71% owner occupied. - Due Diligence Vendor-08/22/2025<br>| Months Reserves exceed minimum required - 186.61mos reserves. Per guides, 6 reserves required <br>LTV is less than guideline maximum - Borr LTV 50%. Per guides, maximum LTV 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843948 | xxxxxx D A | Closed | xxxxxx | 2025-08-13 18:46 | 2025-08-19 10:41 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review, the litigation is accepted by the insurance carrier for all three pending suites. None are structural in nature. - Due Diligence Vendor-08/19/2025 <br> Open-There are 3 lawsuit concerns against to HOA: #1 xxxxxx; #2 xxxxxx; #3 xxxxxx. The lawsuits according to the attorney law offices are, covered by the insurance sufficient to cover damages (pgs 944, 997, and 1000). The lawsuits against the HOA, are considered Minor, and the lawsuits do not relate to the building's safety, structural or functionality - Due Diligence Vendor-08/13/2025 |  | Resolved-After further review, the litigation is accepted by the insurance carrier for all three pending suites. None are structural in nature. - Due Diligence Vendor-08/19/2025<br>| Months Reserves exceed minimum required - 186.61mos reserves. Per guides, 6 reserves required <br>LTV is less than guideline maximum - Borr LTV 50%. Per guides, maximum LTV 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843965 | xxxxxx D A | Closed | xxxxxx | 2025-08-15 16:06 | 2025-08-19 10:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received ratified purchase contract and file contained Escrow Instructions reflecting final sales price. - Due Diligence Vendor-08/19/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. Missing Purchase sales contract. - Due Diligence Vendor-08/15/2025 |  | Resolved-Received ratified purchase contract and file contained Escrow Instructions reflecting final sales price. - Due Diligence Vendor-08/19/2025<br>| Qualifying DTI below maximum allowed - DTI 34.40% Max 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 786 ; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843969 | xxxxxx C B A | Closed | xxxxxx | 2025-08-16 12:22 | 2025-08-27 11:02 | Waived | 2 - Non-Material C B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Client provided a waiver EAD C08, applied to non material finding with comp factors - Due Diligence Vendor-08/27/2025 <br> Counter-Client comments - xxxxxx guidelines accept EADs with minimum 90 days remaining at time of closing. EAD used in lieu of visa. AUDIT RESPONSE - Per the EAD, borrower's Category is E08 which is not an approved category. <br> - Due Diligence Vendor-08/20/2025 <br> Open-B1 Non-Permanent Resident Alien category C08. Lender guidelines do not recognize C08 as an eligible Visa type. - Due Diligence Vendor-08/16/2025 |  | Waived-Client provided a waiver EAD C08, applied to non material finding with comp factors - Due Diligence Vendor-08/27/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 40.62%. Per guides, maximum DTI 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO score 712. Per guides, minimum score required 660. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 843969 | xxxxxx C B A | Closed | xxxxxx | 2025-08-12 09:38 | 2025-08-19 10:43 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal Description. - Due Diligence Vendor-08/19/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing "Exhibit A" legal description attached to the DOT. - Due Diligence Vendor-08/12/2025 |  | Resolved-Received Legal Description. - Due Diligence Vendor-08/19/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 40.62%. Per guides, maximum DTI 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO score 712. Per guides, minimum score required 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843983 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844019 | xxxxxx D A | Closed | xxxxxx | 2025-08-22 07:38 | 2025-08-27 14:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Client provided excerpt from xxxxxx Commercial registry supporting the borrower is the xxxxxx and supports borrowers ownership. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Please see attached correspondence between me and xxxxxx from Clarifii in regard to income and please note xxxxxx processor created an account with https://www.xxxxxx/order and verified xxxxxx valid see attached. - Seller-08/25/2025 <br> Open-Please provide xxxxxx commercial register for xxxxxx to verify date of incorporation and that borrower is 100 shareholder of business. Missing Self employment verbal verification. No CPA letter in the file/tax preparer and this is foreign business overseas. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. Please see attached correspondence between me and xxxxxx from Clarifii in regard to income and please note xxxxxx processor created an account with https://www.xxxxxx/order and verified xxxxxx valid see attached. - Seller-08/25/2025 | Resolved-Client provided excerpt from xxxxxx Commercial registry supporting the borrower is the xxxxxx and supports borrowers ownership. - Due Diligence Vendor-08/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 746; minimum score 640.<br>On time mortgage history exceeds guideline requirement - 0x30 on time mortgage pay history. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844038 | xxxxxx D B A | Closed | xxxxxx | 2025-07-22 10:41 | 2025-09-09 20:00 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Upon further review, Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. Document attached - Seller-07/24/2025 <br>Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Document attached - Seller-07/24/2025<br>| Waived-Upon further review, Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/25/2025<br>| Months Reserves exceed minimum required - 132.5mos reserves. Per guides, 4 reserves required <br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 744 score . Per guides, minimum score required 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 844038 | xxxxxx D B A | Closed | xxxxxx | 2025-07-23 13:43 | 2025-07-25 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. xxxxxx attached - Seller-07/24/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-07/24/2025 | Resolved-Received credit refresh. - Due Diligence Vendor-07/25/2025<br>| Months Reserves exceed minimum required - 132.5mos reserves. Per guides, 4 reserves required <br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 744 score . Per guides, minimum score required 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844039 | xxxxxx B A | Closed | xxxxxx | 2025-07-22 18:11 | 2025-07-22 18:11 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/22/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 788 guidelines require 660<br>Months Reserves exceed minimum required - Total qualifying 68 months reserves; 4 months reserves required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 844040 | xxxxxx D A | Closed | xxxxxx | 2025-07-07 18:53 | 2025-07-15 15:51 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-After further review, the assets are sufficient for reserves. - Due Diligence Vendor-07/15/2025 <br> Counter-Reviewer confirmed missing 4 months P&I reserves-EMD verified and borrowers do not have sufficient reserves. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-xxxxxx $29,087.32 = [(4\*SUBJECT_P&I)] is the required reserves and the borrower has more than 30k in his bank. please waive this condition - Seller-07/11/2025 <br> Open-Audited Reserves of 0.42 month(s) are less than Guideline Required Reserves of 4 month(s) Reserves are short. - Due Diligence Vendor-07/09/2025 | Ready for Review-xxxxxx $29,087.32 = [(4\*SUBJECT_P&I)] is the required reserves and the borrower has more than 30k in his bank. please waive this condition - Seller-07/11/2025 | Resolved-After further review, the assets are sufficient for reserves. - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 731 is higher than 660 minimum required<br>Credit history exceeds minimum required - Credit history exceeds minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844040 | xxxxxx D A | Closed | xxxxxx | 2025-07-08 06:27 | 2025-07-11 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CTEC validation. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. Validation attached - Seller-07/10/2025 <br>Open-Borrower 1 CPA Letter Missing CPA Validation required in addition to thee CPA letter as documents prepared by PTINs are not acceptable - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. Validation attached - Seller-07/10/2025<br>| Resolved-Received CTEC validation. - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 731 is higher than 660 minimum required<br>Credit history exceeds minimum required - Credit history exceeds minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844040 | xxxxxx D A | Closed | xxxxxx | 2025-07-07 18:28 | 2025-07-11 15:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Credit Refresh. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. xxxxxx attached - Seller-07/10/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing gap report. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-07/10/2025 | Resolved-Received Credit Refresh. - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 731 is higher than 660 minimum required<br>Credit history exceeds minimum required - Credit history exceeds minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844041 | xxxxxx D A | Closed | xxxxxx | 2025-07-18 16:54 | 2025-07-25 17:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-VISA documentation received is acceptable. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-xxxxxx is the visa type that does not require an EAD card. xxxxxx visa itself is an authorization for employment. Also, a petitioner can be an agent who files the visa petition in this case the borrower's immigration attorney. Could you please check if we can waive this condition?<br>- Seller-07/23/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing borrower's EAD card. Guidelines do not state that an I-797A is acceptable in lieu of the EAD card. Also, the Petitioner name on the I-797A form does not match the employer's name per the WVOE - Due Diligence Vendor-07/18/2025 | Ready for Review-xxxxxx is the visa type that does not require an EAD card. xxxxxx visa itself is an authorization for employment. Also, a petitioner can be an agent who files the visa petition in this case the borrower's immigration attorney. Could you please check if we can waive this condition?<br>- Seller-07/23/2025 | Resolved-VISA documentation received is acceptable. - Due Diligence Vendor-07/25/2025<br>| Credit history exceeds minimum required - Credit history exceeds minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 691 score . Per guides, minimum score required 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844080 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844081 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844108 | xxxxxx D A | Closed | xxxxxx | 2025-08-15 07:37 | 2025-08-21 08:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Lender attestation of no affiliates. Fees tested properly at 10% tolerance, finding resolved. - Due Diligence Vendor-08/21/2025 <br>Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-08/15/2025 |  | Resolved-Received Lender attestation of no affiliates. Fees tested properly at 10% tolerance, finding resolved. - Due Diligence Vendor-08/21/2025<br>| CLTV is less than guidelines maximum - CLTV = 75% - Max CLTV = 85%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 712 MIN FICO 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844192 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 844199 | xxxxxx D A | Closed | xxxxxx | 2025-08-14 14:29 | 2025-09-10 09:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, no additional documentation is needed or required. - Due Diligence Vendor-09/10/2025 <br>Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-08/14/2025 |  | Resolved-Upon further review, no additional documentation is needed or required. - Due Diligence Vendor-09/10/2025<br>| Months Reserves exceed minimum required - Verified assets of 29.52 months exceeds the minimum required of 4 months<br>Qualifying DTI below maximum allowed - DTI of 32.76% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 758 FICO; 720 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844205 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844235 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844257 | xxxxxx B A | Closed | xxxxxx | 2025-07-14 08:00 | 2025-07-14 08:00 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/14/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 720 score . Per guides, minimum score required 680.<br>Months Reserves exceed minimum required - 6.61mos reserves. Per guides, 4 reserves required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 844258 | xxxxxx D B A | Closed | xxxxxx | 2025-07-16 23:26 | 2025-07-22 14:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-I guess this is a just default condition. The Gap Credit Report is already included in the closing package. Please review once more and waive this condition. - Seller-07/21/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/17/2025 | Ready for Review-I guess this is a just default condition. The Gap Credit Report is already included in the closing package. Please review once more and waive this condition. - Seller-07/21/2025<br>| Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-07/22/2025<br>| Qualifying DTI below maximum allowed - Qualifying Total Debt 33.37% is lower than 49.99% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 715 is higher than 660 minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844258 | xxxxxx D B A | Closed | xxxxxx | 2025-07-14 14:20 | 2025-07-14 15:29 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-07/14/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-07/14/2025<br>| Qualifying DTI below maximum allowed - Qualifying Total Debt 33.37% is lower than 49.99% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 715 is higher than 660 minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 844259 | xxxxxx D A C | Closed | xxxxxx | 2025-07-17 07:06 | 2025-07-22 14:05 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received CTEC validation. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. Please review the tax preparer verification. - Seller-07/22/2025 <br>Open-Lender must validate that all tax documents were prepared by a CPA. CTEC, or EA, as documents prepared by PTINs are not acceptable. Missing verification of tax prepares credentials <br> - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Please review the tax preparer verification. - Seller-07/22/2025<br>| Resolved-Received CTEC validation. - Due Diligence Vendor-07/22/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 37 months are higher than 4 months required<br>Qualifying DTI below maximum allowed - Qualifying Total Debt 35.4%% is lower than 49.99% max allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844259 | xxxxxx D A C | Closed | xxxxxx | 2025-07-17 07:14 | 2025-07-22 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-I guess this is the default condition, since the Gap Credit report is already included in the closing package. Please review once more and waive this condition. - Seller-07/21/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/17/2025 | Ready for Review-I guess this is the default condition, since the Gap Credit report is already included in the closing package. Please review once more and waive this condition. - Seller-07/21/2025<br>| Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-07/22/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 37 months are higher than 4 months required<br>Qualifying DTI below maximum allowed - Qualifying Total Debt 35.4%% is lower than 49.99% max allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844259 | xxxxxx D A C | Closed | xxxxxx | 2025-07-14 14:18 | 2025-07-22 09:22 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Please review the POST CD. - Seller-07/21/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ....Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. Please review the POST CD. - Seller-07/21/2025<br>| Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-07/22/2025 | Months Reserves exceed minimum required - Qualifying Total Reserves 37 months are higher than 4 months required<br>Qualifying DTI below maximum allowed - Qualifying Total Debt 35.4%% is lower than 49.99% max allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844260 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844262 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844264 | xxxxxx C A | Closed | xxxxxx | 2025-07-22 05:51 | 2025-07-23 13:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-PCCD provided, 4 moths of reserves verified. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Please find the attached Final settlement statement and Post CD. - Seller-07/23/2025 <br>Open-Audited Reserves of 3.15 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Please find the attached Final settlement statement and Post CD. - Seller-07/23/2025<br>| Resolved-PCCD provided, 4 moths of reserves verified. - Due Diligence Vendor-07/23/2025<br>| Qualifying DTI below maximum allowed - Qualifying Total Debt 41.58% is lower than 49.99% max allowed <br>Credit history exceeds minimum required - Credit history exceeds minimum required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844265 | xxxxxx C B A | Closed | xxxxxx | 2025-07-22 04:45 | 2025-07-24 16:42 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received internet search for business phone number. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. Google search attached - Seller-07/22/2025 <br>Open-Missing business number search for borrower's business, business phone number must be verifiable via Google Search, 411.com or internet. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Google search attached - Seller-07/22/2025<br>| Resolved-Received internet search for business phone number. - Due Diligence Vendor-07/24/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 11.24 months are higher than 4 months required <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 742 is higher than 680 minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844265 | xxxxxx C B A | Closed | xxxxxx | 2025-07-17 15:25 | 2025-07-17 15:25 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/17/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/17/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 11.24 months are higher than 4 months required <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 742 is higher than 680 minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 844265 | xxxxxx C B A | Closed | xxxxxx | 2025-07-17 15:25 | 2025-07-17 15:25 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/17/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/17/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 11.24 months are higher than 4 months required <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 742 is higher than 680 minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 844266 | xxxxxx B A | Closed | xxxxxx | 2025-07-28 10:27 | 2025-07-28 10:27 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-07/28/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-07/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO 709 score . Per guides, minimum score required 660.<br>Credit history exceeds minimum required - B1 has 0 late payments across all tradelines since 2020 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 844272 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844305 | xxxxxx D A | Closed | xxxxxx | 2025-08-13 15:22 | 2025-08-21 10:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Final Title Policy - Due Diligence Vendor-08/21/2025 <br>Open-Title Document is Incomplete The preliminary title does not have a title coverage amount and the amended escrow instructions don't reflect the loan amount. - Due Diligence Vendor-08/13/2025 |  | Resolved-Received Final Title Policy - Due Diligence Vendor-08/21/2025<br>| Months Reserves exceed minimum required - 70 months reserves with 0 min<br>Qualifying FICO score is at least 20 points above minimum for program - 774 FICO with 660 min |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844318 | xxxxxx D B A | Closed | xxxxxx | 2025-08-25 13:48 | 2025-08-28 10:33 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Verification of Rent | Waived-Approved lender exception for tofor cash rent deposiut of $5,600.00 in the mionth of June. - Due Diligence Vendor-08/28/2025 <br> Open-Lender exception for requesting for an exception for cash rent deposit of $5600 in the month of June for current rental leases for REO xxxxxx.<br> per guidelines page 114. required 2 months of proof of receipt of income.<br> see pdg 280 proof of 1 month . we need 2 months. - Due Diligence Vendor-08/25/2025 |  | Waived-Approved lender exception for tofor cash rent deposiut of $5,600.00 in the mionth of June. - Due Diligence Vendor-08/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 782; minimum score 720.<br>Qualifying DTI below maximum allowed - DTI 44.03% max 50%. | Credit score 30+points greaster than minimum required. Reserves exceed requirement by 10 months or more. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 844318 | xxxxxx D B A | Closed | xxxxxx | 2025-08-25 14:24 | 2025-08-28 10:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Approved lender exception form for rent deposit of $5,600.00 in the month of June. - Due Diligence Vendor-08/28/2025 <br> Open-Lender exception for requesting for an exception for cash rent deposit of $5600 in the month of June for current rental leases for REO xxxxxx.<br> per guidelines page 114. required 2 months of proof of receipt of income.<br> see pdg 280 proof of 1 month . we need 2 months. - Due Diligence Vendor-08/25/2025 |  | Waived-Approved lender exception form for rent deposit of $5,600.00 in the month of June. - Due Diligence Vendor-08/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 782; minimum score 720.<br>Qualifying DTI below maximum allowed - DTI 44.03% max 50%. | Credit Score 30+ points > minimum required. Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 844318 | xxxxxx D B A | Closed | xxxxxx | 2025-08-25 14:09 | 2025-08-28 10:25 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Additional account holder is vested on the title. - Due Diligence Vendor-08/28/2025 <br>Open-Asset Record 1 Does Not Meet G/L Requirements Missing 100% access letter to use assets for funds to close and reserves. - Due Diligence Vendor-08/25/2025 |  | Resolved-Additional account holder is vested on the title. - Due Diligence Vendor-08/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 782; minimum score 720.<br>Qualifying DTI below maximum allowed - DTI 44.03% max 50%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844318 | xxxxxx D B A | Closed | xxxxxx | 2025-08-25 14:09 | 2025-08-28 10:25 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Additional account holder is vested on title. - Due Diligence Vendor-08/28/2025 <br>Open-Asset Record 2 Does Not Meet G/L Requirements Missing 100% access letter to use assets for funds to close and reserves. - Due Diligence Vendor-08/25/2025 |  | Resolved-Additional account holder is vested on title. - Due Diligence Vendor-08/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 782; minimum score 720.<br>Qualifying DTI below maximum allowed - DTI 44.03% max 50%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844374 | xxxxxx C A | Closed | xxxxxx | 2025-08-15 09:26 | 2025-09-10 13:39 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-09/10/2025 <br>Resolved-CD received and Compliance run. - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. - Seller-08/15/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending compliance CD - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. - Seller-08/15/2025<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-09/10/2025 <br>Resolved-CD received and Compliance run. - Due Diligence Vendor-08/18/2025<br>| LTV is less than guideline maximum - LTV = 65% - Max LTV = 70%<br>Qualifying DTI below maximum allowed - DTI = 37.22% - Max DTI = 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844374 | xxxxxx C A | Closed | xxxxxx | 2025-08-11 11:02 | 2025-08-15 15:42 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received initial CD xxxxxx. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. - Seller-08/15/2025 <br> Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-08/15/2025<br>| Resolved-Received initial CD xxxxxx. - Due Diligence Vendor-08/15/2025 | LTV is less than guideline maximum - LTV = 65% - Max LTV = 70%<br>Qualifying DTI below maximum allowed - DTI = 37.22% - Max DTI = 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844390 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 844412 | xxxxxx D A | Closed | xxxxxx | 2025-08-27 08:33 | 2025-09-03 07:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Missing Affiliate Letter. Finding Resolved. - Due Diligence Vendor-09/03/2025 <br>Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-08/27/2025 |  | Resolved-Received Missing Affiliate Letter. Finding Resolved. - Due Diligence Vendor-09/03/2025<br>| Credit history exceeds minimum required - Credit history exceeds minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 793 is higher than 720 minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844425 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844524 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844537 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 844539 | xxxxxx B A | Closed | xxxxxx | 2025-08-17 17:02 | 2025-08-26 12:07 | Resolved | 1 - Information B A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received acceptable LOE regarding income. - Due Diligence Vendor-08/26/2025 <br> Open-Missing letter of explanation for the borrower's 1003 from his departing primary residence with an income of $23,401.86 (p. 94) when the borrower was qualified with an income of $50,042.33. - Due Diligence Vendor-08/17/2025 |  | Resolved-Received acceptable LOE regarding income. - Due Diligence Vendor-08/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 725 FICO with 680 min<br>Months Reserves exceed minimum required - 13.4 months with 4 months min |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844544 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844583 | xxxxxx D A | Closed | xxxxxx | 2025-07-29 11:33 | 2025-07-31 15:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received final CD. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Please See REO DOcuments for property xxxxxx - Seller-07/29/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM and all components of PITIA for REO xxxxxx new purchased primary residence listed on final 1003. Subject property xxxxxx, departing residence retained as investment property. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Please See REO DOcuments for property xxxxxx - Seller-07/29/2025 | Resolved-Received final CD. - Due Diligence Vendor-07/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 763 score . Per guides, minimum score required 660.<br>Months Reserves exceed minimum required - 95.48mos reserves. Per guides, 6 reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844583 | xxxxxx D A | Closed | xxxxxx | 2025-07-29 09:56 | 2025-07-31 15:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Tax Cert | Resolved-Receive property tax cert. - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. Please See Tax Cert - Seller-07/30/2025 <br>Open-Missing tax certificate/taxes information used to qualify as reflected on final 1003. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Please See Tax Cert - Seller-07/30/2025<br>| Resolved-Receive property tax cert. - Due Diligence Vendor-07/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 763 score . Per guides, minimum score required 660.<br>Months Reserves exceed minimum required - 95.48mos reserves. Per guides, 6 reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844585 | xxxxxx D B A | Closed | xxxxxx | 2025-08-07 20:11 | 2025-08-15 16:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-08/14/2025 <br> Counter-Review did not receive upload-please re upload. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-xxxxxx - Seller-08/12/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. xxxxxx - Seller-08/14/2025 <br> Ready for Review-xxxxxx - Seller-08/12/2025 | Resolved-Received credit refresh. - Due Diligence Vendor-08/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 713. Per guides, minimum score required 660.<br>Months Reserves exceed minimum required - 13.63mos reserves. Per guides, 4 reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844585 | xxxxxx D B A | Closed | xxxxxx | 2025-08-05 14:17 | 2025-08-13 13:16 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Received SSPL xxxxxx, includes title company with no affiliation. Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-08/12/2025 <br> Open-Required Affiliated Business Disclosure Missing ----- Missing Affiliated Business disclosure, unable to test fee tolerance properly. Title Fees in Section B are payable to xxxxxx Title Insurance Company. Vendor is not listed on Additional Details for Services You Can Shop For. Unable to determine if an affiliate. Additional findings may apply upon receipt. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. xxxxxx - Seller-08/12/2025 | Waived-Received SSPL xxxxxx, includes title company with no affiliation. Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 713. Per guides, minimum score required 660.<br>Months Reserves exceed minimum required - 13.63mos reserves. Per guides, 4 reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 844587 | xxxxxx D B A | Closed | xxxxxx | 2025-08-08 12:05 | 2025-08-13 17:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. xxxxxx WITH OFAC LIST on page 3 with list - Seller-08/12/2025 <br> Open-Missing Third Party Fraud Report Provided third party fraud report with OFAC check completed and cleared for all interested parties. - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. xxxxxx WITH OFAC LIST on page 3 with list - Seller-08/12/2025 | Resolved-Received Fraud Report. - Due Diligence Vendor-08/13/2025<br>| Qualifying DTI below maximum allowed - DTI 30.54%. Per guides, maximum DTI 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO score 733. Per guides, minimum score required 700. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844587 | xxxxxx D B A | Closed | xxxxxx | 2025-08-08 13:04 | 2025-08-13 16:59 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-08/12/2025 <br>Open-Missing Approval/Underwriting Summary Missing Lender Approval/Underwriting Summary; the one provided with the loan file is not for the subject loan. - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. 1008 - Seller-08/12/2025<br>| Resolved-Received 1008 - Due Diligence Vendor-08/13/2025<br>| Qualifying DTI below maximum allowed - DTI 30.54%. Per guides, maximum DTI 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO score 733. Per guides, minimum score required 700. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844587 | xxxxxx D B A | Closed | xxxxxx | 2025-08-06 12:45 | 2025-08-06 12:45 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/06/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/06/2025<br>| Qualifying DTI below maximum allowed - DTI 30.54%. Per guides, maximum DTI 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO score 733. Per guides, minimum score required 700. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 844588 | xxxxxx D B A | Closed | xxxxxx | 2025-07-16 12:40 | 2025-08-13 17:02 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received Gift Letters. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Gift letter attached - Seller-08/11/2025 <br> Counter-Audit received copies of checks to source deposits and each is noted as a Gift. Missing corresponding gift letters. Pg 92,98,99 are copies of the checks for review. Finding remains. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-07/29/2025 <br> Counter-Documentation received is insufficient-please provide gift letters-original finding remains. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. Per Final SS there was no 35,000, $9,000 deposited, please waive condition, - Seller-07/24/2025 <br> Open-Missing gift letters for gifts of $35,000, $9,000 and $11,000. Copies of checks provided confirm "Gift". Audit included gifts in borrower funds as they have been deposited into the borrowers account. Additional conditions may apply. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Gift letter attached - Seller-08/11/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-07/29/2025 <br>Ready for Review-Document Uploaded. Per Final SS there was no 35,000, $9,000 deposited, please waive condition, - Seller-07/24/2025<br>| Resolved-Received Gift Letters. - Due Diligence Vendor-08/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO 703 score . Per guides, minimum score required 660.<br>On time mortgage history exceeds guideline requirement - 53 months 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844588 | xxxxxx D B A | Closed | xxxxxx | 2025-07-15 15:30 | 2025-07-18 17:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. xxxxxx attached - Seller-07/16/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-07/16/2025 | Resolved-Received Gap Report. - Due Diligence Vendor-07/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO 703 score . Per guides, minimum score required 660.<br>On time mortgage history exceeds guideline requirement - 53 months 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844588 | xxxxxx D B A | Closed | xxxxxx | 2025-07-14 08:30 | 2025-07-14 08:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/14/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO 703 score . Per guides, minimum score required 660.<br>On time mortgage history exceeds guideline requirement - 53 months 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 844590 | xxxxxx D A | Closed | xxxxxx | 2025-08-05 15:25 | 2025-08-15 09:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received SPL showing affiliate status for both xxxxxx Escrow and xxxxxx Title Company as No. Fee tolerance tested properly, finding resolved. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. See attached - None affiliated. - Seller-08/14/2025 <br> Open-Required Affiliated Business Disclosure Missing ----- Missing Affiliated Business disclosure, unable to test fee tolerance properly as Title Fees are in section B. Additional Findings may apply upon receipt - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. See attached - None affiliated. - Seller-08/14/2025<br>| Resolved-Received SPL showing affiliate status for both xxxxxx Escrow and xxxxxx Title Company as No. Fee tolerance tested properly, finding resolved. - Due Diligence Vendor-08/15/2025 | Months Reserves exceed minimum required - Total qualifying 22 months reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 680 guidelines require 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844603 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 844609 | xxxxxx D A | Closed | xxxxxx | 2025-08-29 15:18 | 2025-09-02 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-After further review, the gap credit is not required. - Due Diligence Vendor-09/02/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. UDM shows monitoring not started. - Due Diligence Vendor-09/01/2025 |  | Resolved-After further review, the gap credit is not required. - Due Diligence Vendor-09/02/2025<br>| Credit history exceeds minimum required - Exceeds requirement<br>Qualifying FICO score is at least 20 points above minimum for program - >18 months vs. 6 months required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844609 | xxxxxx D A | Closed | xxxxxx | 2025-08-29 15:18 | 2025-09-02 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-After further review, the gap credit is not required. - Due Diligence Vendor-09/02/2025 <br>Open-Borrower 2 Gap Credit Report is Missing. UDM shows monitoring not started. - Due Diligence Vendor-09/01/2025 |  | Resolved-After further review, the gap credit is not required. - Due Diligence Vendor-09/02/2025<br>| Credit history exceeds minimum required - Exceeds requirement<br>Qualifying FICO score is at least 20 points above minimum for program - >18 months vs. 6 months required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844616 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 844624 | xxxxxx B A | Closed | xxxxxx | 2025-08-07 15:17 | 2025-08-07 15:17 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/07/2025<br>| Months Reserves exceed minimum required - Borrower has 48.33 months of reserves and only needs 6 months to qualify.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 774 and minimum allowed is 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844625 | xxxxxx C A | Closed | xxxxxx | 2025-08-14 17:18 | 2025-08-19 10:40 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-08/19/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing title document reflecting loan amount of xxxxxx. Not provided on preliminary title and title supplement not provided to reflect the loan amount. - Due Diligence Vendor-08/14/2025 |  | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-08/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 660 credit score. Qualifying credit score is 730.<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 14 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844626 | xxxxxx D A | Closed | xxxxxx | 2025-08-17 13:31 | 2025-08-22 10:27 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the loan file contains the note, taxes, HOI, proof no other liens and proof of the fist payment on the new loan History for 2nd lien reports on credit from xxxxxx, the month it was paid off. - Due Diligence Vendor-08/22/2025 <br> Counter-Received mortgage information on primary residence-missing final CD for recent refi. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/22/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- 1) Missing 12 months housing history for primary residence. Appears borrower refinanced. per credit report with NMSI.)2) missing CD for closing of primary for 4.25. - Due Diligence Vendor-08/17/2025 |  | Resolved-After further review, the loan file contains the note, taxes, HOI, proof no other liens and proof of the fist payment on the new loan History for 2nd lien reports on credit from xxxxxx, the month it was paid off. - Due Diligence Vendor-08/22/2025 | Months Reserves exceed minimum required - 27.52 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 743; minimum score 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844626 | xxxxxx D A | Closed | xxxxxx | 2025-08-17 13:16 | 2025-08-22 09:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received xxxxxx and xxxxxx PITIA validation. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/22/2025 <br> Open-Missing verification of HOA for REO xxxxxx or lox no HOA. Missing Insurance for REO xxxxxx . - Due Diligence Vendor-08/17/2025 |  | Resolved-Received xxxxxx and xxxxxx PITIA validation. - Due Diligence Vendor-08/22/2025 | Months Reserves exceed minimum required - 27.52 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 743; minimum score 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844636 | xxxxxx D A | Closed | xxxxxx | 2025-08-21 11:14 | 2025-08-27 16:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-After further review, the documents have been provided for the borrower's primary and 2 rental properties. - Due Diligence Vendor-08/27/2025 <br> Counter-HOI and taxes provided for xxxxxx. Please provide PITIA for property xxxxxx - Due Diligence Vendor-08/27/2025 <br> Open-Missing the verification for property xxxxxx listed on the application. - Due Diligence Vendor-08/21/2025 |  | Resolved-After further review, the documents have been provided for the borrower's primary and 2 rental properties. - Due Diligence Vendor-08/27/2025<br>| Months Reserves exceed minimum required - 122 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 765 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844700 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844706 | xxxxxx B A | Closed | xxxxxx | 2025-08-20 10:32 | 2025-08-20 12:38 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings.<br> - Due Diligence Vendor-08/20/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings.<br> - Due Diligence Vendor-08/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 705; minimum score 660.<br>Qualifying DTI below maximum allowed - DT 43% max 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844767 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 844804 | xxxxxx C B A | Closed | xxxxxx | 2025-08-19 09:13 | 2025-08-26 11:53 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE - Due Diligence Vendor-08/26/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Insufficient Coverage Amount for Insured Subject Property and HOI does not reflect replacement cost. - Due Diligence Vendor-08/19/2025 |  | Resolved-Received RCE - Due Diligence Vendor-08/26/2025<br>| Qualifying DTI below maximum allowed - DTI of 15.78% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 8.5 months exceeds the minimum required of 4 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844804 | xxxxxx C B A | Closed | xxxxxx | 2025-08-18 11:10 | 2025-08-19 11:46 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/18/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/18/2025<br>| Qualifying DTI below maximum allowed - DTI of 15.78% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 8.5 months exceeds the minimum required of 4 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844809 | xxxxxx D B A | Closed | xxxxxx | 2025-08-08 13:29 | 2025-08-28 10:31 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD xxxxxx, payee amended. Finding resolved. - Due Diligence Vendor-08/28/2025 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. (Tax Service Fee) in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. [Error is present on both Final CD xxxxxx and PCCD xxxxxx]<br> - Due Diligence Vendor-08/08/2025 |  | Resolved-Received PCCD xxxxxx, payee amended. Finding resolved. - Due Diligence Vendor-08/28/2025 | CLTV is less than guidelines maximum - Max CLTV 80%- Borrower's' CLTV 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680--Borrower's FICO 784 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844809 | xxxxxx D B A | Closed | xxxxxx | 2025-08-08 11:30 | 2025-08-26 08:29 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-08/26/2025 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on Memorial Day (05/26/2025)As not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. ....Homeowner Counseling Disclosure is dated xxxxxx. This is not within 3 business days of Application date xxxxxx. Further clarification of application date required. - Due Diligence Vendor-08/08/2025 |  | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-08/26/2025<br>| CLTV is less than guidelines maximum - Max CLTV 80%- Borrower's' CLTV 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680--Borrower's FICO 784 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844809 | xxxxxx D B A | Closed | xxxxxx | 2025-08-08 13:20 | 2025-08-26 08:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-08/26/2025 <br> Open-The Initial 1003 is Missing Initial 1003 in file is dated 6/9/2025. Initial LE is dated xxxxxx. Initial Application date cannot occur after issuance of Initial LE, please clarify true application date. - Due Diligence Vendor-08/08/2025 |  | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-08/26/2025<br>| CLTV is less than guidelines maximum - Max CLTV 80%- Borrower's' CLTV 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680--Borrower's FICO 784 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844809 | xxxxxx D B A | Closed | xxxxxx | 2025-08-08 13:13 | 2025-08-08 13:17 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-08/08/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-08/08/2025<br>| CLTV is less than guidelines maximum - Max CLTV 80%- Borrower's' CLTV 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680--Borrower's FICO 784 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844828 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844866 | xxxxxx B A | Closed | xxxxxx | 2025-08-28 07:47 | 2025-08-30 10:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-08/30/2025 <br>Open-Lender Exception in file for borrower having i797 approval notice valid from 1/20/25 - 1/19/30 but has not yet received the physical EAD Card. They do have previously expired EAD card showing the same USCIS number. Non-material - Due Diligence Vendor-08/28/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-08/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 750.<br>Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 42.33%. | LTV 5% or more below the maximum allowed under applicable guidelines.<br> Credit Score 30+ point > minimum required. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844920 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 844922 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844988 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844996 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 845138 | xxxxxx D B A | Closed | xxxxxx | 2025-07-30 19:47 | 2025-08-06 14:37 | Resolved | 1 - Information C A | Property | Appraisal | Two or more full valuation products not provided for loan amounts > $2 million | Resolved-Received 2 full appraisals. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Please review these two appraisals .. - Seller-08/05/2025 <br> Counter-Received appraisal completed by xxxxxx with value xxxxxx dated xxxxxx--' Missing second Appraisal. Subject loan xxxxxx. Two appraisals required for all loans > $2,000,000. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Please review the 2nd appraisal - Seller-08/01/2025 <br> Open-Two or more full valuation products were not provided.' Missing second Appraisal. Subject loan xxxxxx. Two appraisals required for all loans > $2,000,000. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Please review these two appraisals .. - Seller-08/05/2025 <br>Ready for Review-Document Uploaded. Please review the 2nd appraisal - Seller-08/01/2025<br>| Resolved-Received 2 full appraisals. - Due Diligence Vendor-08/06/2025<br>| Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Qualifying reserves are 17 months.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO 705 score . Per guides, minimum score required 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845138 | xxxxxx D B A | Closed | xxxxxx | 2025-07-31 16:16 | 2025-08-06 14:37 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received appraisal reflecting xxxxxx by xxxxxx - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Please review the 2nd appraisal - Seller-08/01/2025 <br> Open-Missing second appraisal for loan amount over 2 million, LCA an CU scores exceed 2.5, and CDA provided has the appraisal reviewed value of xxxxxx; The appraisal in the loan file has a value of xxxxxx - does not match. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Please review the 2nd appraisal - Seller-08/01/2025<br>| Resolved-Received appraisal reflecting xxxxxx by xxxxxx - Due Diligence Vendor-08/04/2025 | Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Qualifying reserves are 17 months.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO 705 score . Per guides, minimum score required 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845138 | xxxxxx D B A | Closed | xxxxxx | 2025-07-29 18:36 | 2025-07-29 18:45 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-07/29/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-07/29/2025<br>| Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Qualifying reserves are 17 months.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO 705 score . Per guides, minimum score required 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 845237 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-24 20:36 | 2025-08-06 09:24 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD xxxxxx, funding date xxxxxx. P&I does not match note, provide PCCD with corrected values. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. PCCD attached - Seller-07/29/2025 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. Final CD shows disbursement date of xxxxxx, but borrower signed on xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. PCCD attached - Seller-07/29/2025<br>| Resolved-Received PCCD xxxxxx, funding date xxxxxx. P&I does not match note, provide PCCD with corrected values. - Due Diligence Vendor-07/31/2025 | Qualifying DTI below maximum allowed - Audit DTI 38.44%, max DTI allowed is 49.99%.<br>Months Reserves exceed minimum required - Total qualifying 5.65 months reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 810 guidelines require 720 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845237 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-28 08:09 | 2025-07-31 16:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. xxxxxx attached - Seller-07/29/2025 <br> Open-Borrower 1 Gap Credit Report is Missing File missing GAP report and Fraud Report did not provide UDM Undisclosed Debt Monitoring. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-07/29/2025 | Resolved-Received credit refresh. - Due Diligence Vendor-07/31/2025<br>| Qualifying DTI below maximum allowed - Audit DTI 38.44%, max DTI allowed is 49.99%.<br>Months Reserves exceed minimum required - Total qualifying 5.65 months reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 810 guidelines require 720 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845237 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-24 20:20 | 2025-07-24 20:20 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/25/2025<br>| Qualifying DTI below maximum allowed - Audit DTI 38.44%, max DTI allowed is 49.99%.<br>Months Reserves exceed minimum required - Total qualifying 5.65 months reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 810 guidelines require 720 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 845280 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 845292 | xxxxxx C B A | Closed | xxxxxx | 2025-08-27 10:47 | 2025-08-28 19:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-08/28/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception for rural location was approved - Due Diligence Vendor-08/27/2025 |  | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-08/28/2025<br>| Qualifying DTI below maximum allowed - Borrower's DTI is 7.6%. Guideline max is 50%.<br>Months Reserves exceed minimum required - Borrower has 30 months reserves. Guideline requires 6 months. | DTI <= 40% which is below requirement in guidelines<br> Reserves exceed requirement by 10 months or more<br> Residual income more than 1.5x the amount required by guidelines | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 845292 | xxxxxx C B A | Closed | xxxxxx | 2025-08-27 14:29 | 2025-08-28 19:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-08/28/2025 <br> Open-Housing History Does Not Meet Guideline Requirements File contains an exception for the 1x30 mortgage late to treat as 0x30x12 - Due Diligence Vendor-08/27/2025 |  | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-08/28/2025<br>| Qualifying DTI below maximum allowed - Borrower's DTI is 7.6%. Guideline max is 50%.<br>Months Reserves exceed minimum required - Borrower has 30 months reserves. Guideline requires 6 months. | DTI <= 40% which is below requirement in guidelines<br> Reserves exceed requirement by 10 months or more<br> Residual income more than 1.5x the amount required by guidelines | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 845442 | xxxxxx C A | Closed | xxxxxx | 2025-08-07 12:28 | 2025-08-26 17:55 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received settlement statement for proceeds of refi confirming sufficient assets. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Please see attached the FSS for the borrower's REO. It shows where the $104,000 came from. - Seller-08/25/2025 <br> Counter-Wire receipt and PCCD provided, however we are missing the source of the $104,000 additional deposit. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. Please review the POST CD and the wire receipt. The wire receipt was already included in the closing package. - Seller-08/13/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-82030.68'. Assets are Insufficient. Provide an updated statement or transaction history to support the amount of wire in the amount of $104,000. 1003 lists secured funds however none were found.Wire sent to escrow with nothing to support. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Please see attached the FSS for the borrower's REO. It shows where the $104,000 came from. - Seller-08/25/2025 <br>Ready for Review-Document Uploaded. Please review the POST CD and the wire receipt. The wire receipt was already included in the closing package. - Seller-08/13/2025<br>| Resolved-Received settlement statement for proceeds of refi confirming sufficient assets. - Due Diligence Vendor-08/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 728 and minimum allowed is 660.<br>On time mortgage history exceeds guideline requirement - 0x30 for over 8 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845442 | xxxxxx C A | Closed | xxxxxx | 2025-08-07 12:37 | 2025-08-26 17:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received settlement statement for proceeds of refi confirming sufficient assets. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Please see attached the FSS for the borrower's REO. It shows where the $104,000 came from. - Seller-08/25/2025 <br> Counter-Wire receipt and PCCD provided, however we are missing the source of the $104,000 additional deposit. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. Please review the POST CD and the wire receipt. The wire receipt was already included in the closing package. - Seller-08/13/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) 1003 lists secured funds however none were found. 1003 lists secured funds however none were found.Wire sent to escrow with nothing to support. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Please see attached the FSS for the borrower's REO. It shows where the $104,000 came from. - Seller-08/25/2025 <br>Ready for Review-Document Uploaded. Please review the POST CD and the wire receipt. The wire receipt was already included in the closing package. - Seller-08/13/2025<br>| Resolved-Received settlement statement for proceeds of refi confirming sufficient assets. - Due Diligence Vendor-08/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 728 and minimum allowed is 660.<br>On time mortgage history exceeds guideline requirement - 0x30 for over 8 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845455 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-28 17:22 | 2025-08-13 08:38 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Mtg statement in file does i fact show that is is now current, no foreclosure is reported - Due Diligence Vendor-09/10/2025 <br> Counter-Property xxxxxx shows 150+ delq in 2021 and mtg was since transferred. Fraud reports shows an NOD for same dated 03/2023. Mtg statement in file does i fact show that is is now current, however, guides state no foreclosures are allowed for 7 yrs. Borrower would not be eligible until 2030 - Due Diligence Vendor-08/12/2025 <br> Ready for Review-I don't see the borrower's ownership in the current and previous addresses. Could you please clarify which property you are referring to? - Seller-08/07/2025 <br> Counter-Received commentary of loan being transferred. Documentation is insufficient-NOD cancellation required to confirm acceptable housing history. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-This loan has been transferred, NOD cancellation is not required. - Seller-08/04/2025 <br> Counter-Received duplicate documentation--please provide confirmation NOD cancellation from 3/2024 or prior. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. The records are from 2020 and 2021, not within the past year. We also provided mortgage statements showing payments were made for April, May, and June, and the credit refresh confirms there have been no delinquencies in the past 12 months.<br> We kindly request that this condition be waived. - Seller-08/01/2025 <br> Open-Housing History Does Not Meet Guideline Requirements File include a rent free letter, but fraud and mortgage statement indicate borrower on note of REO xxxxxx that has a NOD reported as late as 3/2024. Letter of Explanation not in file. - Due Diligence Vendor-07/28/2025 | Ready for Review-I don't see the borrower's ownership in the current and previous addresses. Could you please clarify which property you are referring to? - Seller-08/07/2025 <br>Ready for Review-This loan has been transferred, NOD cancellation is not required. - Seller-08/04/2025 <br>Ready for Review-Document Uploaded. The records are from 2020 and 2021, not within the past year. We also provided mortgage statements showing payments were made for April, May, and June, and the credit refresh confirms there have been no delinquencies in the past 12 months.<br> We kindly request that this condition be waived. - Seller-08/01/2025<br>| Resolved-Mtg statement in file does i fact show that is is now current, no foreclosure is reported - Due Diligence Vendor-09/10/2025<br>| Months Reserves exceed minimum required - Total qualifying 5 months reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 683 guidelines require 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845455 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-28 17:30 | 2025-08-12 12:29 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-After further review income adjustments were made after review of CPA letter and type of business borrower has and that all deposits are business related. Consulting business for remodeling of real estate. explanation was provided. Income is now adjusted. Mtg is utd - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. The borrower's business is a consulting firm, which generates variable income based on client contracts and deal sizes. The large deposits correspond to payments received from significant deals made during those months. Moreover, the borrower's tax preparer has also confirmed that all deposits represent legitimate business income. - Seller-08/07/2025 <br> Counter-Pending supporting documentation large deposits are business related. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-This loan has been transferred, NOD cancellation is not required. - Seller-08/04/2025 <br> Counter-Received duplicate documentation--please provide confirmation NOD cancellation from 3/2024 or prior. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Please find the attached CPA letter. All deposits are business income. - Seller-07/31/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. large deposits included with no explanation - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. The borrower's business is a consulting firm, which generates variable income based on client contracts and deal sizes. The large deposits correspond to payments received from significant deals made during those months. Moreover, the borrower's tax preparer has also confirmed that all deposits represent legitimate business income. - Seller-08/07/2025 <br>Ready for Review-This loan has been transferred, NOD cancellation is not required. - Seller-08/04/2025 <br>Ready for Review-Document Uploaded. Please find the attached CPA letter. All deposits are business income. - Seller-07/31/2025<br>| Resolved-After further review income adjustments were made after review of CPA letter and type of business borrower has and that all deposits are business related. Consulting business for remodeling of real estate. explanation was provided. Income is now adjusted. Mtg is xxxxxx - Due Diligence Vendor-08/12/2025 | Months Reserves exceed minimum required - Total qualifying 5 months reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 683 guidelines require 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845455 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-28 17:24 | 2025-08-12 12:09 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Mtg statement was received which shows loan is up to date. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. The credit report shows the borrower hasn't been late in the last 16 months. The mortgage borrower was late 150+ was more than 5 years ago. - Seller-08/07/2025 <br> Counter-Received commentary of loan being transferred. Documentation is insufficient-NOD cancellation required to confirm acceptable housing history. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-This loan has been transferred, NOD cancellation is not required. - Seller-08/04/2025 <br> Counter-Received duplicate documentation--please provide confirmation NOD cancellation from 3/2024 or prior. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Please find the attached documents. <br> The records are from 2020 and 2021, not within the past year.<br> We also provided mortgage statements showing payments were made for April, May, and June, and the credit refresh confirms there have been no delinquencies in the past 12 months.<br>We kindly request that this condition be waived. - Seller-08/01/2025 <br> Counter-Received mortgage statements-please provide confirmation NOD cancellation. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Please find the attached mortgage statements. The mortgage payments for April, May, and June have all been made on time. - Seller-07/29/2025 <br> Open-Fraud Report Shows Uncleared Alerts File included rent free letters, but fraud and mortgage statement documented borrower as owner of xxxxxx. Fraud reflected NOD for current residence xxxxxx, credit report also documented more than 150+ days delinquent reported xxxxxx. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. The credit report shows the borrower hasn't been late in the last 16 months. The mortgage borrower was late 150+ was more than 5 years ago. - Seller-08/07/2025 <br> Ready for Review-This loan has been transferred, NOD cancellation is not required. - Seller-08/04/2025 <br> Ready for Review-Document Uploaded. Please find the attached documents. <br> The records are from 2020 and 2021, not within the past year.<br> We also provided mortgage statements showing payments were made for April, May, and June, and the credit refresh confirms there have been no delinquencies in the past 12 months.<br>We kindly request that this condition be waived. - Seller-08/01/2025 <br> Ready for Review-Document Uploaded. Please find the attached mortgage statements. The mortgage payments for April, May, and June have all been made on time. - Seller-07/29/2025 | Resolved-Mtg statement was received which shows loan is up to date. - Due Diligence Vendor-08/12/2025<br>| Months Reserves exceed minimum required - Total qualifying 5 months reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 683 guidelines require 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845455 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-28 17:34 | 2025-08-12 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Property Detail Report confirming xxxxxx is an SFR. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. Please find the attached documents. There is no HOA for xxxxxx. - Seller-08/11/2025 <br> Counter-corrected 1003 and 1008 provided, however we are missing the HOA verification for xxxxxx - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Please find the attached updated 1008 and Post 1003 - Seller-08/07/2025 <br> Counter-Received corrected 1003-missing confirmation of HOA for xxxxxx. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-This is a xxxxxx residence with no HOA. - Seller-08/04/2025 <br> Counter-Documentation is insufficient--missing validation of HOA for xxxxxx. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. This REO has an escrow account for taxes and insurance. The combined amount of tax and insurance is higher than the mortgage payment shown on the statement, so the difference of xxxxxx was added accordingly.<br> Could you please waive this condition? - Seller-08/01/2025 <br> Counter-Received 1003-missing validation of HOA. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. [xxxxxx] is an investment property.<br> The other two addresses [xxxxxx] and [xxxxxx] are where the borrower lived rent-free. - Seller-07/29/2025 <br> Open-• reo xxxxxx- mtg stmnt 3771.82, but 1003 document -3850.36. Borrower to provide additional housing expenses for REO xxxxxx. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Please find the attached documents. There is no HOA for xxxxxx. - Seller-08/11/2025 <br> Ready for Review-Document Uploaded. Please find the attached updated 1008 and Post 1003 - Seller-08/07/2025 <br> Ready for Review-This is a xxxxxx residence with no HOA. - Seller-08/04/2025 <br> Ready for Review-Document Uploaded. This REO has an escrow account for taxes and insurance. The combined amount of tax and insurance is higher than the mortgage payment shown on the statement, so the difference of xxxxxx was added accordingly.<br> Could you please waive this condition? - Seller-08/01/2025 <br> Ready for Review-Document Uploaded. [xxxxxx] is an investment property.<br> The other two addresses [xxxxxx] and [xxxxxx] are where the borrower lived rent-free. - Seller-07/29/2025 | Resolved-Received Property Detail Report confirming xxxxxx is an SFR. - Due Diligence Vendor-08/12/2025 | Months Reserves exceed minimum required - Total qualifying 5 months reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 683 guidelines require 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845455 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-28 17:37 | 2025-08-12 11:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.97% is less than or equal to Guideline DTI of 49.99% - Due Diligence Vendor-08/12/2025 <br> Counter-While the tax preparer state all deposits are considered business income, it does not meet the guideline requirement. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. The borrower's business is a consulting firm, which generates variable income based on client contracts and deal sizes. The large deposits correspond to payments received from significant deals made during those months. Moreover, the borrower's tax preparer has also confirmed that all deposits represent legitimate business income. - Seller-08/07/2025 <br> Counter-Received duplicate documentation-provide supporting documentation for large deposits to meet requirements of guideline 10.1. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-All deposits are business income. - Seller-08/04/2025 <br> Counter-Received duplicate documentation-provide supporting documentation for large deposits to meet requirements of guideline 10.1. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Please find the attached CPA letter. All deposits are business income. - Seller-07/31/2025 <br> Open-Audited DTI of 124.69% exceeds Guideline DTI of 49.99% • Guideline 10.1 pg 14 large deposits that are outside of the normal average deposits will not be included in income the calculation.<br> • •Bank statements reflected large deposits that must be explained. Large deposit cutoff $37,688.00. The following deposits exceed the average deposits: $194,600.57 on 10/25/24, 57,807.70 on 2/26/25, 177,800 on 3/13/25, $42,000 on 4/8/25, $39,275 on 4/10/25 <br> - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. The borrower's business is a consulting firm, which generates variable income based on client contracts and deal sizes. The large deposits correspond to payments received from significant deals made during those months. Moreover, the borrower's tax preparer has also confirmed that all deposits represent legitimate business income. - Seller-08/07/2025 <br>Ready for Review-All deposits are business income. - Seller-08/04/2025 <br>Ready for Review-Document Uploaded. Please find the attached CPA letter. All deposits are business income. - Seller-07/31/2025<br>| Resolved-Audited DTI of 49.97% is less than or equal to Guideline DTI of 49.99% - Due Diligence Vendor-08/12/2025<br>| Months Reserves exceed minimum required - Total qualifying 5 months reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 683 guidelines require 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845455 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-28 15:59 | 2025-08-12 10:29 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received confirmation from tax preparer all deposits are business related. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Please find the attached CPA letter; all deposits are business income. - Seller-07/29/2025 <br> Open-Income and Employment Do Not Meet Guidelines • Guideline 10.1 pg 14 large deposits that are outside of the normal average deposits will not be included in income the calculation.<br> • •Bank statements reflected large deposits that must be explained. Large deposit cutoff $37,688.00. The following deposits exceed the average deposits: $194,600.57 on 10/25/24, 57,807.70 on 2/26/25, 177,800 on 3/13/25, $42,000 on 4/8/25, $39,275 on 4/10/25 <br> - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Please find the attached CPA letter; all deposits are business income. - Seller-07/29/2025<br>| Resolved-Received confirmation from tax preparer all deposits are business related. - Due Diligence Vendor-07/31/2025<br>| Months Reserves exceed minimum required - Total qualifying 5 months reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 683 guidelines require 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845455 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-28 17:22 | 2025-07-31 16:34 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Received mortgage statement confirming 0x30 in past 12 months. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Please find the attached Mortgage Statement. The mortgage payments for April, May, and June have all been made on time. - Seller-07/29/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements File include a rent free letter, but fraud and mortgage statement indicate borrower on note of REO xxxxxx that has a NOD reported as late as xxxxxx. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Please find the attached Mortgage Statement. The mortgage payments for April, May, and June have all been made on time. - Seller-07/29/2025<br>| Resolved-Received mortgage statement confirming 0x30 in past 12 months. - Due Diligence Vendor-07/31/2025<br>| Months Reserves exceed minimum required - Total qualifying 5 months reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 683 guidelines require 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845455 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-28 15:11 | 2025-07-31 16:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Upon further review, the loan file contained all required purchase contract documentation. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Please find the attached guideline. There is no purchase contract, as this is a for-sale-by-owner transaction. - Seller-07/29/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. Purchase contract not in file. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Please find the attached guideline. There is no purchase contract, as this is a for-sale-by-owner transaction. - Seller-07/29/2025<br>| Resolved-Upon further review, the loan file contained all required purchase contract documentation. - Due Diligence Vendor-07/31/2025<br>| Months Reserves exceed minimum required - Total qualifying 5 months reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 683 guidelines require 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845455 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-25 20:36 | 2025-07-31 08:19 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx Finding resolved. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Please find the attached Post CD. - Seller-07/29/2025 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD issued xxxxxx has a disbursement date of xxxxxx with borrower signature date of xxxxxx.. Transaction/Notary date is xxxxxx. Provide evidence the loan did not disburse prior to transaction date of xxxxxx. - Due Diligence Vendor-07/26/2025 | Ready for Review-Document Uploaded. Please find the attached Post CD. - Seller-07/29/2025<br>| Resolved-Received PCCD xxxxxx, disbursement date xxxxxx Finding resolved. - Due Diligence Vendor-07/31/2025 | Months Reserves exceed minimum required - Total qualifying 5 months reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 683 guidelines require 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845455 | xxxxxx D B A C | Closed | xxxxxx | 2025-07-25 20:20 | 2025-07-25 20:20 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/26/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/26/2025<br>| Months Reserves exceed minimum required - Total qualifying 5 months reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 683 guidelines require 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 845472 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845794 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845837 | xxxxxx C A | Closed | xxxxxx | 2025-08-21 16:51 | 2025-08-29 09:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review LTV within guideline max. - Due Diligence Vendor-09/10/2025 <br>Open-Tghe calculated LTV is 65%, guideline maximum is 80%. - Due Diligence Vendor-08/21/2025 |  | Resolved-Upon further review LTV within guideline max. - Due Diligence Vendor-09/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 692 guidelines require 660<br>LTV is less than guideline maximum - LTV = 65% - Max LTV = 75% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845953 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 846025 | xxxxxx D B A | Closed | xxxxxx | 2025-08-20 19:33 | 2025-08-25 16:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-08/22/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. xxxxxx - Seller-08/22/2025 | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-08/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 755 Qualifying FICO score is at least 20 points above 680 minimum for program<br>Qualifying DTI below maximum allowed - 39.36% Qualifying DTI below 49.99% maximum allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846025 | xxxxxx D B A | Closed | xxxxxx | 2025-08-20 19:33 | 2025-08-25 16:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Document Uploaded. Husband and wife on one report - Seller-08/22/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. Husband and wife on one report - Seller-08/22/2025<br>| Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-08/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 755 Qualifying FICO score is at least 20 points above 680 minimum for program<br>Qualifying DTI below maximum allowed - 39.36% Qualifying DTI below 49.99% maximum allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846025 | xxxxxx D B A | Closed | xxxxxx | 2025-08-18 13:49 | 2025-08-18 13:49 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/18/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 755 Qualifying FICO score is at least 20 points above 680 minimum for program<br>Qualifying DTI below maximum allowed - 39.36% Qualifying DTI below 49.99% maximum allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 846199 | xxxxxx C B A | Closed | xxxxxx | 2025-08-25 15:38 | 2025-08-27 14:54 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. Please refer to pages 74-75. - Seller-08/26/2025 <br>Open-Fraud Report Shows Uncleared Alerts The fraud report reflects alerts with no documentation provided to support the alerts have been cleared. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. Please refer to pages 74-75. - Seller-08/26/2025<br>| Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-08/27/2025<br>| Qualifying DTI below maximum allowed - • Qualifying DTI less max allowable 49.99 (NMSI)(NON-DSCR)%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 723 and Guideline minimum 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846199 | xxxxxx C B A | Closed | xxxxxx | 2025-08-20 13:47 | 2025-08-20 14:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/20/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/20/2025<br>| Qualifying DTI below maximum allowed - • Qualifying DTI less max allowable 49.99 (NMSI)(NON-DSCR)%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 723 and Guideline minimum 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 846200 | xxxxxx B A | Closed | xxxxxx | 2025-08-11 11:50 | 2025-08-11 12:11 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/11/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO score 723. Per guides, minimum score required 680.<br>Qualifying DTI below maximum allowed - DTI 32.27%. Per guides, maximum DTI 49.99%. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 846203 | xxxxxx C A | Closed | xxxxxx | 2025-08-12 07:19 | 2025-08-21 16:53 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received xxxxxx Lease. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. please see xxxxxx lease. it was also included in the closing pkg. - Seller-08/19/2025 <br> Counter-Please provide a copy of the xxxxxx Lease as xxxxxx requires the payment to be included in the DTI. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-It is not financed xxxxxx, but lease xxxxxx, and subordination is not required. Could you please waive this condition? - Seller-08/15/2025 <br> Open-Property Title Issue : Title reflect a financing statement (bottom pg 123-124) for xxxxxx panels, but file did not include a subordination agreement for noted financing statement. <br>- Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. please see xxxxxx lease. it was also included in the closing pkg. - Seller-08/19/2025 <br> Ready for Review-It is not financed xxxxxx, but lease xxxxxx, and subordination is not required. Could you please waive this condition? - Seller-08/15/2025 | Resolved-Received xxxxxx Lease. - Due Diligence Vendor-08/21/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 720 guidelines require 660<br>Months Reserves exceed minimum required - Total qualifying 15 months reserves; 4 months reserves required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846569 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846570 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-01 14:44 | 2025-08-25 08:55 | Waived | 2 - Non-Material C B | Credit | Insurance | xxxxxx Coverage not met | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material due to originator states investor approved xxxxxx coverage of xxxxxx. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. Loan is being redirected to xxxxxx as 2nd+ program. Please review file to the 2nd+ Guidelines. Uploaded PC exceptions - Seller-08/20/2025 <br> Open-xxxxxx Coverage not met. only xxxxxx reflected on condo master policy - even using the xxxxxx calculation of the sum of three months of assessments on all units in the project the coverage amount is still short. ($1148 HOA x xxxxxx units = $340,922) - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Loan is being redirected to xxxxxx as 2nd+ program. Please review file to the 2nd+ Guidelines. Uploaded PC exceptions - Seller-08/20/2025 | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material due to originator states investor approved xxxxxx coverage of xxxxxx. - Due Diligence Vendor-08/25/2025 | CLTV is less than guidelines maximum - 75% maximum CLTV loan has 48.89% CLTV<br>Verified employment history exceeds guidelines - 2 yr employment history required - borrower has been self-employed in same business for over 17 years | CLTV 49% with allowable 75%<br> DTI 35% with allowable 50% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 846570 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-25 08:46 | 2025-08-25 08:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material due to only 1 point short and originator states investor approved. <br> - Due Diligence Vendor-08/25/2025 <br>Open-Audited FICO of 679 is less than Guideline FICO of 680 Originator exception in file. - Due Diligence Vendor-08/25/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material due to only 1 point short and originator states investor approved. <br> - Due Diligence Vendor-08/25/2025<br>| CLTV is less than guidelines maximum - 75% maximum CLTV loan has 48.89% CLTV<br>Verified employment history exceeds guidelines - 2 yr employment history required - borrower has been self-employed in same business for over 17 years | DTI 35% with 50% allowable<br> CLTV >10% lower than max | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 846570 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-01 16:16 | 2025-08-08 10:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received Tax Preparer letter. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Uploaded CPA letter, new income worksheet, updated 1008 & updated 1003 - Seller-08/07/2025 <br> Counter-Loan was submitted w/ xxxxxx guidelines. Guidelines state - A CPA/CTEC/EA produced written statement/letter specifying the actual expense ratio of the business (including cost of goods sold and all other business expenses) based on the most recent year's filed tax returns. Such statement shall not include unacceptable disclaimer or exculpatory language regarding its preparation - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Per our guidelines we are not required to get a CPA letter for 30% expense factor. Please clear - Seller-08/05/2025 <br> Open-Lender used 30% expense factor: however, tax preparer letter did not reflect an expense factor to be used. Provide either a CPA/CTEC/EA letter which reflects the expense factor to be used. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Uploaded CPA letter, new income worksheet, updated 1008 & updated 1003 - Seller-08/07/2025 <br>Ready for Review-Document Uploaded. Per our guidelines we are not required to get a CPA letter for 30% expense factor. Please clear - Seller-08/05/2025<br>| Resolved-Received Tax Preparer letter. - Due Diligence Vendor-08/08/2025<br>| CLTV is less than guidelines maximum - 75% maximum CLTV loan has 48.89% CLTV<br>Verified employment history exceeds guidelines - 2 yr employment history required - borrower has been self-employed in same business for over 17 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846570 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-01 08:37 | 2025-08-06 08:43 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received SPL dated xxxxxx, finding resolved. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. SSP uploaded - Seller-08/04/2025 <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% ($2,767.50) exceed the comparable charges ($2,422.00) 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). -----Missing Service Provider List within 3 business days of initial 1003, (xxxxxx), for proper testing. Additional Findings may apply upon receipt. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. SSP uploaded - Seller-08/04/2025<br>| Resolved-Received SPL dated xxxxxx, finding resolved. - Due Diligence Vendor-08/06/2025 | CLTV is less than guidelines maximum - 75% maximum CLTV loan has 48.89% CLTV<br>Verified employment history exceeds guidelines - 2 yr employment history required - borrower has been self-employed in same business for over 17 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |

---

## Exhibit 99.17

**EXHIBIT 99.17**

**clarifii rating agency grades summary report**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody's** | **Initial Compliance Loan Grades Moody's** | **Initial Property Loan Grades Moody's** | **Initial Overall Loan Grades Moody's** | **Final Credit Loan Grades Moody's** | **Final Compliance Loan Grades Moody's** | **Final Property Loan Grades Moody's** | **Final Overall Loan Grades Moody's** |
| 817898 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A B | B | B |
| 832812 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834369 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 835674 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836773 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 837356 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837450 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 837683 | xxxxxx | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 837839 | xxxxxx | xxxxxx C | C A | A B | B C | C A | A | A B | B | B |
| 837858 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837882 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837897 | xxxxxx | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 837987 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838081 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838176 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 838226 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 838230 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 838334 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838411 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 838413 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 838471 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 838506 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 838567 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 838593 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838594 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 838601 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838604 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838646 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 838647 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838669 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 838720 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838746 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 838766 | xxxxxx | xxxxxx C | N/A C | N/A C D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 838819 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838937 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838944 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838956 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838958 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 839322 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 839337 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839340 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 839346 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839371 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 839460 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 839464 | xxxxxx | xxxxxx D | D A | A | A B D | D A | A | A | A B | A B |
| 839523 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 839569 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 839597 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 839613 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 839664 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839685 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 839687 | xxxxxx | xxxxxx C | N/A C D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 839699 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 839706 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839735 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 839737 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 839750 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 839778 | xxxxxx | xxxxxx C | C A | A D | D | D A | A | A | A | A |
| 839796 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 839799 | xxxxxx | xxxxxx C | C A | A D | D | D A | A | A | A | A |
| 839816 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 839867 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839895 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 839912 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839943 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839956 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840016 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 840032 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 840045 | xxxxxx | xxxxxx C | N/A C | N/A C | N/A C | N/A C B | N/A B | N/A B | N/A B | N/A B |
| 840057 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840069 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840076 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840168 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840181 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840213 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840216 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840252 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 840268 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840293 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 840386 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840427 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840445 | xxxxxx | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 840466 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840477 | xxxxxx | xxxxxx C | C A | A D | D | D A | A | A | A | A |
| 840487 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840495 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 840504 | xxxxxx | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 840553 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840581 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840585 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840675 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840676 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840702 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840719 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840738 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840751 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840755 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 840761 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 840775 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840803 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840834 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840850 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840880 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840887 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840896 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C B | N/A B | N/A | N/A B | N/A B |
| 840911 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840917 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840941 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840960 | xxxxxx | xxxxxx A | A B | B C | C | C A | A B | B A | A B | B |
| 840975 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 840994 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841027 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841061 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 841079 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 841088 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841098 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841103 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841110 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841130 | xxxxxx | xxxxxx A | A B | B D | D | D A | A B | B | B | B |
| 841163 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 841201 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841202 | xxxxxx | xxxxxx B | B D | D | D | D A | A B | B A | A B | B |
| 841203 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 841229 | xxxxxx | xxxxxx A | A B | B D | D | D A | A B | B A | A B | B |
| 841237 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 841271 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 841327 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 841334 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 841337 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841342 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 841346 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 841350 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841383 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841385 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 841549 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841572 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 841586 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 841588 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 841592 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 841619 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 841627 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 841630 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 841653 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841656 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841679 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 841680 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 841683 | xxxxxx | xxxxxx C | C D | D A | A D | D B | B | B A | A B | B |
| 841684 | xxxxxx | xxxxxx C | N/A C B | N/A B | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 841739 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841742 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 841759 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841760 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841779 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841787 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841797 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 841864 | xxxxxx | xxxxxx C | C A | A D | D | D A | A | A | A | A |
| 841875 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 841880 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841912 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 841917 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841921 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 841923 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 841925 | xxxxxx | xxxxxx D | D B | B A | A D | D B | B | B A | A B | B |
| 841927 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841931 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 841943 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841945 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841948 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841949 | xxxxxx | xxxxxx C | N/A C B | N/A B | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 841957 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841968 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842077 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 842089 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842092 | xxxxxx | xxxxxx C | C A | A D | D | D A | A | A | A | A |
| 842093 | xxxxxx | xxxxxx C | C A | A D | D | D A | A | A | A | A |
| 842094 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842099 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 842103 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 842119 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 842121 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 842138 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 842142 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 842144 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842148 | xxxxxx | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 842151 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842162 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 842170 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 842171 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 842176 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842181 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842297 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 842321 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842331 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842334 | xxxxxx | xxxxxx C | C | C A | A C | C B | B C | C A | A C | C |
| 842335 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 842337 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 842401 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 842414 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842422 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842459 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 842462 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 842464 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 842468 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842478 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A | A | A | A |
| 842487 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 842514 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 842524 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842529 | xxxxxx | xxxxxx D | D A | A D | D | D B | B A | A | A B | B |
| 842531 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842546 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 842554 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842559 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 842574 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 842600 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 842610 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842626 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 842672 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 842680 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842682 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 842690 | xxxxxx | xxxxxx C | N/A C B | N/A B | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 842710 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842711 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 842738 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842749 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842751 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842764 | xxxxxx | xxxxxx D | N/A D B | N/A B C | N/A C D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 842767 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 842770 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 842826 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842839 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842842 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 842846 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842852 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842891 | xxxxxx | xxxxxx D | D | D A | A D | D A | A B | B A | A B | B |
| 842916 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 842929 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842930 | xxxxxx | xxxxxx A | A D | D A | A B D | D A | A B | B A | A B | B |
| 842940 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842950 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 842953 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842956 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842972 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842997 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843025 | xxxxxx | xxxxxx C | C D | D A | A D | D B | B | B A | A B | B |
| 843026 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 843028 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 843039 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 843045 | xxxxxx | xxxxxx C | N/A C B | N/A B | N/A C | N/A C B | N/A B | N/A B | N/A B | N/A B |
| 843125 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 843151 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 843157 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 843167 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 843468 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 843522 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843524 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843532 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843605 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843608 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843622 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 843640 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 843641 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 843646 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843647 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843656 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 843726 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843761 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 843767 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 843780 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 843796 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843832 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843836 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843891 | xxxxxx | xxxxxx B | B | B A | A B | B A | A B | B A | A B | B |
| 843895 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843911 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 843919 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843926 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 843948 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 843965 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 843969 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 843983 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844019 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 844038 | xxxxxx | xxxxxx D | D | D A | A D | D A | A B | B A | A B | B |
| 844039 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 844040 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 844041 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 844080 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844081 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844108 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 844192 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844199 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 844205 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844235 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844257 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 844258 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 844259 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 844260 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844262 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844264 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 844265 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 844266 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 844272 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844305 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 844318 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 844374 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 844390 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844412 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 844425 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844524 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844537 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 844539 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 844544 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844583 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 844585 | xxxxxx | xxxxxx D | D | D A | A D | D A | A B | B A | A B | B |
| 844587 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 844588 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 844590 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 844603 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844609 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 844616 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844624 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 844625 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 844626 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 844636 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 844700 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844706 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 844767 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 844804 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 844809 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 844828 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844866 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 844920 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844922 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844988 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844996 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845138 | xxxxxx | xxxxxx A | A B | B D | D | D A | A B | B A | A B | B |
| 845237 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 845280 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845292 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 845442 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 845455 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 845472 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845794 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845837 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 845953 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846025 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 846199 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 846200 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 846203 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 846569 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846570 | xxxxxx | xxxxxx D | N/A D C | N/A C | N/A D | N/A D B | N/A B | N/A | N/A B | N/A B |

---

## Exhibit 99.18

**EXHIBIT 99.18**

**clarifii data compare report**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 840504 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 841759 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per the credit report in the file. |
| 844205 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 841680 | xxxxxx | xxxxxx | ARM Subsequent Interest Rate Cap | notePage | 1 | 5.0000 | per Note |
| 842297 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | per Note |
| 842529 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | 0 | per Note |
| 843039 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | per Note |
| 844040 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | per Note |
| 842468 | xxxxxx | xxxxxx | Borrower 1 How was title held? | the1003Page | Jointly | Individually | Per title |
| 839750 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | per Note |
| 839778 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | per Note |
| 839799 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | per Note |
| 840386 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | per Note |
| 842119 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | per Note |
| 842297 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | per Note |
| 842529 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | per Note |
| 843726 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | per Note |
| 844108 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | per Note |
| 846570 | xxxxxx | xxxxxx | Borrower 1 Qualifying Income | employmentIncomePage | 16446.24 | 15363.90 | Lender recalculated income post close. |
| 839778 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 842119 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Audit SSN taken from credit report. |
| 838411 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.15 | 1.10620766214933 | variance due to homeowners insurance. |
| 841680 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.072 | 1.0511 | Lender used higher mgmnt fee that what appears on appraisal |
| 843761 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final Cd |
| 844260 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per CD |
| 837839 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD in file |
| 840504 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 842151 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Note |
| 842170 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | per pccd |
| 844039 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 844041 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 844265 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 844590 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD. |
| 846200 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 842176 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | finalCdDetailPage | 529752.38 | -529564.38 | per CD |
| 844260 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per CD |
| 837839 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD in file |
| 842930 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per CD |
| 844039 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 844040 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final Closing Disclosure |
| 844041 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 844258 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per cd |
| 844259 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per Final CD |
| 844264 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 844265 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 844266 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per CD |
| 844587 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 844588 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 844590 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD. |
| 845138 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 845237 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 845455 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 845837 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 846025 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846200 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846203 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 838226 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 838230 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 838958 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 839371 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 841202 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 841656 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 841787 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 843025 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 841759 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per the credit report in the file. |
| 844205 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 838937 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.625 | 0.0762 | per Note |
| 839699 | xxxxxx | xxxxxx | Interest Rate | notePage | 8.875 | 0.0888 | per Note |
| 839816 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.625 | 0.0762 | per Note |
| 840917 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.75 | 0.0775 | per Note |
| 841619 | xxxxxx | xxxxxx | Interest Rate | notePage | 8 | 8.1250 | per Note |
| 842334 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.625 | 0.0762 | per Note |
| 843125 | xxxxxx | xxxxxx | Lien Position | TitlePage | 2 | 1 | Per loan program closed end second |
| 838230 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note |
| 838604 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note |
| 840076 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note |
| 840252 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note |
| 841201 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note |
| 841683 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note |
| 842337 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note |
| 842852 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note |
| 843832 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note |
| 843965 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note |
| 844235 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note |
| 838646 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | per Note |
| 839371 | xxxxxx | xxxxxx | Margin | notePage | 3.75 | 2.000 | per Note |
| 839737 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | per Note |
| 846570 | xxxxxx | xxxxxx | Months Since Bankruptcy | creditLiabilitiesPage | 68 | 0 | Per credit report |
| 840477 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per Note |
| 840495 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per Note |
| 840504 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per Note |
| 840702 | xxxxxx | xxxxxx | Number of Properties | crossCollateralPropertyDataPage | 6 | 7 | 6 properties per docs in file. |
| 839737 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 6 | 5 | per appraisal |
| 841027 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 8 | 1 | Per Appraisal Narrative. |
| 842842 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 1 | Per Appraisal. |
| 842626 | xxxxxx | xxxxxx | Occupancy | the1003Page | Investment | Primary Residence | per 1003 |
| 843524 | xxxxxx | xxxxxx | Occupancy | the1003Page | Primary Residence | Investment | Per lender approval |
| 840168 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | per note |
| 842089 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | ppp per note |
| 842462 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | per note |
| 842610 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per note |
| 842770 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | PPP Addendum in file with CD showing PPP. |
| 841680 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per appraisal. |
| 845138 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 838604 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | per Note |
| 841229 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | per Note |
| 837450 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | per hoa questionnaire |
| 837897 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal, title |
| 838411 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | Property is a townhome per appraisal provided. |
| 838567 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | per appraisal |
| 839340 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | per appraisal |
| 839371 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per DOT rider and 1008 in file. |
| 839685 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal |
| 839687 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | per title |
| 839796 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per appraisal |
| 840076 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal. |
| 840252 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | PER DOT and appraisal |
| 840504 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| 840761 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 840975 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title, appraisal |
| 841061 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 841201 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 841334 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | PER Appraisal and title |
| 841592 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title |
| 841679 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium High Rise | Condotel | Per HOA questionnaire and appraisal - The subjects' condominium does not operate as a hotel, motel, or resort |
| 841680 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Mixed Use | Two to Four Unit | Per appraisal, mixed use 6 unit. |
| 841683 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per appraisal |
| 841742 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal and DOT |
| 841912 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per title |
| 841925 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per Title and Appraisal |
| 841927 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal/title |
| 841968 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per title |
| 842103 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal report |
| 842464 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 842738 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title |
| 842764 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal, title |
| 842842 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal. |
| 842852 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | per appraisal report |
| 842891 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title |
| 842940 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title, appraisal |
| 842972 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 842997 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Condotel | Per HOA questionnaire no condotel characteristics |
| 843028 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | per appraisal |
| 843039 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title |
| 843125 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title |
| 843522 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title |
| 843622 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | property is pud |
| 843646 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Deed |
| 843832 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | per appraisal |
| 844081 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 844235 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal. |
| 844609 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 844626 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | per appraisal |
| 844809 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per title |
| 844922 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per Appraisal and Title |
| 845953 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per DOT/title |
| 846570 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | per appraisal |
| 838604 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | per Note |
| 842554 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | per Note |
| 843524 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | per Note |
| 844374 | xxxxxx | xxxxxx | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.84 | 44.44 | Lender used higher payment for subject new note. |
| 838766 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 77.89 | 78.01 | loan amount + first lien/appraisal value |
| 840045 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 79.39 | 80.00 | Per 1008 |
| 840975 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 64.65 | 64.48 | Audit matches lender per 1008 |
| 841201 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 85 | 84.24 | Per final 1008 |
| 842077 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 51.57 | 52.50 | Per 1008 |
| 842337 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 54.55 | 53.47 | Audit in line with 1008 |
| 842422 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 44.3 | 49.89 | Per 1008 |
| 842764 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 53.54 | 62.91 | Audit matches lenders LTV per 1008 |
| 842852 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 70 | 67.84 | True Data Value CLTV match w/ 1008 |
| 842972 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 24.18 | 30.77 | Audit in line with 1008 |
| 843157 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 72.84 | 74.64 | Loan Amount/Appraised Value. |
| 844235 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 89.64 | 90.00 | Audit in line with 1008 |
| 844537 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 70.61 | 72.32 | Audit in line with 1008 |
| 845138 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 64.59 | 66.67 | CLTV based on 1st appraisal updated value, matches desk review in file. |
| 832812 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 779 | 790 | Per 1008 |
| 838766 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 738 | 727 | Primary Wage Earner used for Qualifying |
| 841201 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 702 | 711 | Per final 1008 and Credit report |
| 841927 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 807 | 810 | per credit |
| 842478 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 732 | 730 | Per credit report |
| 842842 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 799 | 780 | Lowest mid score |
| 843026 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 764 | 790 | Per Credit Report. |
| 842121 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 58.37 | 0.00 | Per Appraisal |
| 843157 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 72.84 | 0.00 | Loan Amount/Appraised Value. |
| 842171 | xxxxxx | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 47.61 | 45.42 | Audit income is less than lenders. |
| 838081 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 76.29 | 75.00 | Audit LTV matches lenders LTV per 1008 |
| 840016 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 69.12 | 70.00 | Loan Amount/Appraised Value. |
| 840268 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 50.1 | 48.60 | Per 1008 |
| 841201 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 85 | 84.24 | Per final 1008 |
| 841680 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 63.93 | 65.00 | loan amount/appraisal value |
| 841683 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 84.92 | 85.00 | Variance due to seller concessions. Lender adjusted the purchase price by the amount of overage. |
| 842337 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 54.55 | 53.47 | Audit in line with 1008 |
| 842422 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 44.3 | 49.89 | Per 1008 |
| 842764 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 17.73 | 20.83 | Audit matches lenders LTV per 1008 |
| 842852 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 70 | 67.84 | True Data Value LTV match w/ 1008 |
| 842972 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 24.18 | 30.77 | Audit in line with 1008 |
| 843157 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 72.84 | 74.64 | Loan Amount/Appraised Value. |
| 843836 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 44.64 | 45.45 | LTV matches 1008 |
| 844235 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 89.64 | 90.00 | Audit in line with 1008 |
| 845138 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 64.59 | 66.67 | LTV based on 1st appraisal updated value, matches desk review in file. |
| 837839 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.66 | 32.09 | Audit in-line with lender 1008 |
| 837858 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.46 | 32.00 | True Data matches Lender 1008: Tape Data Unknown |
| 837897 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.31 | 36.06 | Appears lender used wrong tax amount for REO xxxxxx Final 1003 |
| 839322 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.21 | 26.59 | As per audit, 1008 on file using incorrect income amnt |
| 839687 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.05 | 37.65 | 1008 not provided - Appears Lender did not count PITIA /Net Rental Loos for REO xxxxxx |
| 840477 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 13328.08 | DSCR Loan |
| 840676 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.51 | 36.47 | Audit DTI in line with final 1008 |
| 840755 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1.32 | DSCR loan per approval |
| 840975 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.94 | 35.00 | Audit w/in tolerance of lender's DTI per 1008 |
| 841088 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.72 | 46.33 | 43 match 1008 |
| 841334 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.55 | 9.34 | DTI matches with 1008 UW |
| 841592 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.05 | 36.08 | Per lender approval / 1008 |
| 841619 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.1 | 29.86 | Audit DTI matches final 1008 |
| 841679 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 40.00 | DSCR loan |
| 841739 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.92 | 26.65 | Lender failed to include investment property net rental loss in DTI. |
| 841797 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.19 | 26.30 | As per audit, REO amnts differ |
| 841921 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.73 | 19.40 | per 1008/Tape Data unknown |
| 841927 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28 | 23.00 | Audit matches Lender 1008 |
| 841931 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 10.64 | 7.21 | Variance is due to the REO calc. |
| 842170 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 50.83 | 52.54 | Lender calc for rental REO is lower than Audits |
| 842171 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 54.19 | 51.68 | Audit income is less than lenders. |
| 842478 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.6 | 34.00 | Audit REO #xxxxxx property HOA, missing taxes and insurance. Lender excluded debt |
| 842600 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.61 | 49.28 | Audit income slightly higher and Debt exceeds lenders by $302. Debt taken from xxxxxx credit report. |
| 842672 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 4.76 | 10.00 | Audit DTI matches Lender 1008 |
| 842711 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.82 | 47.89 | Audit DTI in-line with Lender 1008 |
| 842738 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.84 | 48.01 | Audit DTI in line with lender 1008 |
| 842764 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.55 | 38.34 | Audit DTI w/in tolerance of lender's DTI per 1008 |
| 842891 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.72 | 42.05 | Audit is within 2% of the 1008 |
| 842940 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.02 | 42.00 | 1008 used lower subject income than audit. Lender DTI per 1008 is 25.86 |
| 843025 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.61 | 33.38 | Audit DTI w/in tolerance of lenders DTI per 1008 |
| 843045 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.94 | 43.31 | Recalculation of income |
| 843522 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.94 | 34.19 | Audit excluded 2 large deposits. One from April 2025 and the other from November 2024. |
| 843640 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.82 | 22.00 | 1008 not provided to compare |
| 843646 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 8.03 | 6.00 | Audit UW used lower amount for Income based on 40% ownership |
| 843796 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.81 | 20.57 | Audit calculated lower income |
| 843836 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.62 | 31.60 | Lender included taxes and insurance twice forxxxxxx xxxxxx Rd |
| 843919 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.94 | 27.99 | Audit DTI matches 1008. Tape Data unknown |
| 843948 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 50.16 | 38.00 | Audit DTI includes neg-rent for retained departing home |
| 843965 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.4 | 37.96 | Auditor matches with 1008 approval |
| 844039 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.39 | 49.36 | Audit calculated lower REO losses |
| 844080 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.29 | 34.87 | Audit matches 1008 |
| 844081 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.62 | 19.09 | 1008 in line with audit |
| 844272 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.65 | 32.14 | Audit DTI within tolerance of DTI on 1008 |
| 844539 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.56 | 31.56 | Audit in line with the 1008 |
| 844583 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.97 | 43.01 | Audit DTI includes REO #xxxxxx T&I |
| 844603 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 9.02 | 4.20 | Audit DTI inline with lender/ Tape Data Unknown |
| 844922 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.83 | 18.45 | Audit DTI within Tolerance of 1008 DTI |
| 845837 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.76 | 42.62 | Audit DTI matches lender 1008 |
| 846203 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.59 | 41.56 | audit less debt, CD showed debt paid. |
| 846570 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.95 | 37.41 | Lender recalculated income post close. |
| 842148 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3444.23 | 2902.23 | Audit includes HOA |
| 842151 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3096.31 | 2653.32 | HOA and Flood |
| 842162 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 6074.86 | 5934.86 | Difference is HOA fee |
| 842170 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 23763.28 | 23688.29 | Lender was Missing HOA dues |
| 842171 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3485.25 | 3397.76 | Audit used HOA dues. |
| 840057 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 35.44 | 77.00 | per verified assets |
| 842297 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 63.93 | 19.00 | per verified assets |
| 840076 | xxxxxx | xxxxxx | Refinance Type | the1003Page | Cash Out - Other | No Cash Out - Borrower Initiated | per 1008 and Final CD |
| 841237 | xxxxxx | xxxxxx | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | Per CD |
| 842119 | xxxxxx | xxxxxx | Refinance Type | the1003Page | Cash Out - Other | No Cash Out - Borrower Initiated | cash back to borrower exceeded max allowed for R/T refi per guides |
| 841201 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per 1008 & final CD |
| 841683 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Due to difference in salary calculation. |
| 841923 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Final CD. |
| 843832 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | per cd |
| 843948 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per final CD |
| 843965 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per 1008 |
| 844235 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Contract Amendment and Final CD. |
| 841679 | xxxxxx | xxxxxx | Term | notePage | 180 | 360 | per Note |
| 840057 | xxxxxx | xxxxxx | Total Qualified Assets Available For Reserves | assetPage | 85217.24 | 51717.00 | per verified assets |
| 846570 | xxxxxx | xxxxxx | Total Qualifying Income | employmentIncomePage | 16446.24 | 15363.90 | Lender recalculated income post close. |
| 844374 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | Other Bank Statements | 1 year P&L in file |
| 844590 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Business P&L | 1YR Business P&L | provide 2yr pl not 1 yr |

---

## Exhibit 99.19

**EXHIBIT 99.19**

**clarifii atr qm report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 817898 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 832812 | xxxxxx | xxxxxx | 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 |
| 834369 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 835674 | xxxxxx | xxxxxx | 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 |
| 836773 | xxxxxx | xxxxxx | 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 |
| 837356 | xxxxxx | xxxxxx | 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 |
| 837450 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 837683 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9951 | 8.139 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9170.41 | N/A | Employed |  | No |  | No |  |
| 837839 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9351.5 | 8.113 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12410.49 | N/A | Employed |  | No |  | No |  |
| 837858 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | 19638.82 | Yes | Employed | Employed | No | No | Yes | Present |
| 837882 | xxxxxx | xxxxxx | 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 |
| 837897 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21565 | 8.045 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25851.12 | Yes | Employed |  | No |  | No |  |
| 837987 | xxxxxx | xxxxxx | 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 |
| 838081 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7075 | 7.947 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7841.86 | Yes | Employed |  | No |  | No |  |
| 838176 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8297 | 7.444 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24161.33 | N/A | Employed |  | No |  | No |  |
| 838226 | xxxxxx | xxxxxx | 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 |
| 838230 | xxxxxx | xxxxxx | 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 |
| 838334 | xxxxxx | xxxxxx | 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 |
| 838411 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 838413 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 838471 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 838506 | xxxxxx | xxxxxx | 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 |
| 838567 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 838593 | xxxxxx | xxxxxx | 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 |
| 838594 | xxxxxx | xxxxxx | 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 |
| 838601 | xxxxxx | xxxxxx | 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 |
| 838604 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 838646 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 838647 | xxxxxx | xxxxxx | 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 |
| 838669 | xxxxxx | xxxxxx | 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 |
| 838720 | xxxxxx | xxxxxx | 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 |
| 838746 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838766 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 4052.67 | 9.089 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4770.15 | N/A | Employed | Not Employed | No | No | No |  |
| 838819 | xxxxxx | xxxxxx | 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 |
| 838937 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 838944 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 10116.4 | 9.363 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6849.54 | Yes | Employed | Not Employed | No | No | No |  |
| 838956 | xxxxxx | xxxxxx | 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 |
| 838958 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2939.8 | 8.033 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 9105.9 | Yes | Employed | Retired | No | No | No |  |
| 839322 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3694.25 | 7.826 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13898.9 | Yes | Employed | Not Employed | No | No | No |  |
| 839337 | xxxxxx | xxxxxx | 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 |
| 839340 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 839346 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 839371 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 1640 | 8.226 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26378.45 | Yes | Employed |  | No |  | No |  |
| 839460 | xxxxxx | xxxxxx | 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 |
| 839464 | xxxxxx | xxxxxx | 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 |
| 839523 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 839569 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2701.6 | 8.733 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7819.83 | Yes | Retired | Employed | No | No | No |  |
| 839597 | xxxxxx | xxxxxx | 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 |
| 839613 | xxxxxx | xxxxxx | 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 | 4971 | Yes | Retired | Retired | No | No | Yes | Present |
| 839664 | xxxxxx | xxxxxx | 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 |
| 839685 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10579.38 | 7.752 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14043.56 | Yes | Employed |  | No |  | No |  |
| 839687 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3065 | 9.094 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9551.91 | Yes | Employed |  | No |  | No |  |
| 839699 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 839706 | xxxxxx | xxxxxx | 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 |
| 839735 | xxxxxx | xxxxxx | 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 |
| 839737 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 839750 | xxxxxx | xxxxxx | 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 |
| 839778 | xxxxxx | xxxxxx | 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 |
| 839796 | xxxxxx | xxxxxx | 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 |
| 839799 | xxxxxx | xxxxxx | 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 |
| 839816 | xxxxxx | xxxxxx | 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 |  |  |  |  | Yes |  | Yes | Present |
| 839867 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 839895 | xxxxxx | xxxxxx | 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 |
| 839912 | xxxxxx | xxxxxx | 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 |
| 839943 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 839956 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 840016 | xxxxxx | xxxxxx | 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 |
| 840032 | xxxxxx | xxxxxx | 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 |
| 840045 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 5460.94 | 9.873 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5978.11 | Yes | Employed |  | No |  | No |  |
| 840057 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 840069 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 840076 | xxxxxx | xxxxxx | 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 |
| 840168 | xxxxxx | xxxxxx | 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 | 91128.99 | Yes | Employed |  | No |  | Yes | Present |
| 840181 | xxxxxx | xxxxxx | 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 |
| 840213 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840216 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9683.75 | 7.565 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 10479.9 | Yes | Employed |  | No |  | No |  |
| 840252 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 1480.82 | 10.866 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2309.48 | N/A | Retired |  | No |  | No |  |
| 840268 | xxxxxx | xxxxxx | 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 |
| 840293 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 20623 | 8.305 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5950.91 | Yes | Not Employed | Employed | No | No | No |  |
| 840386 | xxxxxx | xxxxxx | 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 |
| 840427 | xxxxxx | xxxxxx | 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 |
| 840445 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7335.7 | 8.04 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6932.29 | N/A | Employed | Employed | No | No | No |  |
| 840466 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 7600.6 | 7.486 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8675.88 | N/A | Employed |  | No |  | No |  |
| 840477 | xxxxxx | xxxxxx | 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 |
| 840487 | xxxxxx | xxxxxx | 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 |
| 840495 | xxxxxx | xxxxxx | 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 | 13905 | 7.81 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9213.1 | Yes | Employed |  | No |  | No |  |
| 840504 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16625 | 7.217 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12249.62 | Yes | Employed | Not Employed | No | No | No |  |
| 840553 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 17675 | 8.027 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11555.09 | N/A | Employed |  | No |  | No |  |
| 840581 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 840585 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 840675 | xxxxxx | xxxxxx | 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 |
| 840676 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4640 | 7.977 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8999.64 | N/A | Employed | Not Employed | No | No | No |  |
| 840702 | xxxxxx | xxxxxx | 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 |
| 840719 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 7496.2 | 8.654 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3105.85 | N/A | Employed |  | No |  | No |  |
| 840738 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 840751 | xxxxxx | xxxxxx | 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 |
| 840755 | xxxxxx | xxxxxx | 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 |
| 840761 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 9290 | 8.676 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7392.81 | N/A | Employed |  | No |  | No |  |
| 840775 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 840803 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 17252.7 | 7.887 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8583.1 | Yes | Employed |  | No |  | No |  |
| 840834 | xxxxxx | xxxxxx | 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 |
| 840850 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 840880 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1495 | 8.288 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9113.14 | Yes | Employed | Employed | No | No | No |  |
| 840887 | xxxxxx | xxxxxx | 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 |
| 840896 | xxxxxx | xxxxxx | 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 | 17736.66 | N/A | Employed |  | No |  | Yes | Present |
| 840911 | xxxxxx | xxxxxx | 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 |
| 840917 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 840941 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840960 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1500 | 7.895 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20608.95 | N/A | Employed |  | No |  | No |  |
| 840975 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4840 | 9.061 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12671.65 | N/A | Employed |  | No |  | No |  |
| 840994 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6815 | 7.65 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25870.41 | Yes | Employed | Employed | No | No | No |  |
| 841027 | xxxxxx | xxxxxx | 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 |
| 841061 | xxxxxx | xxxxxx | 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 |
| 841079 | xxxxxx | xxxxxx | 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 |
| 841088 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | 9567.74 | N/A | Employed |  | No |  | Yes | Present |
| 841098 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9342.09 | 8.951 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11705.36 | N/A | Employed |  | No |  | No |  |
| 841103 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 841110 | xxxxxx | xxxxxx | 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 |
| 841130 | xxxxxx | xxxxxx | 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 | 38825 | 7.22 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18337.25 | Yes | Employed |  | No |  | No |  |
| 841163 | xxxxxx | xxxxxx | 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 |
| 841201 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5752.29 | 8.562 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 27933.72 | Yes | Employed |  | No |  | No |  |
| 841202 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21069 | 7.874 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19624.37 | Yes | Employed |  | No |  | No |  |
| 841203 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 24358.25 | 8.52 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9341.56 | Yes | Employed |  | No |  | No |  |
| 841229 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12908.11 | 7.621 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45227.24 | Yes | Employed |  | No |  | No |  |
| 841237 | xxxxxx | xxxxxx | 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 |
| 841271 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 7.469 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5506.26 | N/A | Employed |  | No |  | No |  |
| 841327 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11602.76 | 7.794 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6374.66 | Yes | Employed |  | No |  | No |  |
| 841334 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1393 | 7.55 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14302.94 | Yes | Employed |  | No |  | No |  |
| 841337 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 841342 | xxxxxx | xxxxxx | 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 |
| 841346 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 841350 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 841383 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1075 | 7.422 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7231.98 | Yes | Employed |  | No |  | No |  |
| 841385 | xxxxxx | xxxxxx | 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 | 7488.27 | Yes | Employed |  | No |  | Yes | Present |
| 841549 | xxxxxx | xxxxxx | 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 |
| 841572 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3630.6 | 9.147 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6399.08 | N/A | Employed |  | No |  | No |  |
| 841586 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1570 | 8.923 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 82666.65 | Yes | Employed |  | No |  | No |  |
| 841588 | xxxxxx | xxxxxx | 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 |
| 841592 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2088.13 | 8.934 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 4351.46 | Yes | Employed |  | No |  | No |  |
| 841619 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 13134.53 | 8.329 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 8363.11 | Yes | Not Employed |  | No |  | No |  |
| 841627 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12950 | 7.759 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20575.41 | N/A | Employed | Not Employed | No | No | No |  |
| 841630 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10270 | 7.574 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8386.23 | Yes | Employed |  | No |  | No |  |
| 841653 | xxxxxx | xxxxxx | 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 |
| 841656 | xxxxxx | xxxxxx | 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 | 9705 | 8.24 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 7190.74 | N/A | Employed | Employed | No | No | No |  |
| 841679 | xxxxxx | xxxxxx | 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 |
| 841680 | xxxxxx | xxxxxx | 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 |
| 841683 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 0 | 8.023 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21770.85 | N/A | Employed | Employed | No | No | No |  |
| 841684 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2509.2 | 10.184 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3413.46 | Yes | Employed |  | No |  | No |  |
| 841739 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4124 | 8.646 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15433.08 | N/A | Employed |  | No |  | No |  |
| 841742 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 4612.5 | 8.529 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 11297.81 | N/A | Employed | Employed | No | No | No |  |
| 841759 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12304 | 7.242 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8555.35 | Yes | Employed |  | No |  | No |  |
| 841760 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13277.5 | 8.084 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8977.22 | Yes | Employed |  | No |  | No |  |
| 841779 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 4325 | 9.016 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4244.11 | Yes | Employed | Employed | No | No | No |  |
| 841787 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 10745.5 | 9.011 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22395.12 | Yes | Employed |  | No |  | No |  |
| 841797 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3675 | 7.517 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10551.29 | Yes | Retired | Retired | No | No | No |  |
| 841864 | xxxxxx | xxxxxx | 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 |
| 841875 | xxxxxx | xxxxxx | 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 |
| 841880 | xxxxxx | xxxxxx | 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 |
| 841912 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7090 | 9.573 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31021.78 | N/A | Employed |  | No |  | No |  |
| 841917 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6219 | 7.694 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10958.91 | Yes | Employed |  | No |  | No |  |
| 841921 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 10827.5 | 8.709 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5124.17 | Yes | Employed |  | No |  | No |  |
| 841923 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7641.5 | 7.59 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31559.85 | Yes | Not Employed | Not Employed | No | No | No |  |
| 841925 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4385 | 7.405 | Yes | Yes | N/A | Yes | Yes | N/A | Yes | Yes | Yes | Yes | 7779.72 | Yes | Employed |  | No |  | No |  |
| 841927 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8319.13 | 8.163 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7938.03 | N/A | Employed |  | No |  | No |  |
| 841931 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11440 | 7.881 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 86859.4 | Yes | Employed |  | No |  | No |  |
| 841943 | xxxxxx | xxxxxx | 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 | 43021.98 | N/A | Employed |  | No |  | Yes | Present |
| 841945 | xxxxxx | xxxxxx | 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 | 45273.2 | N/A | Employed |  | No |  | Yes | Present |
| 841948 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12720 | 7.577 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9562.56 | N/A | Employed |  | No |  | No |  |
| 841949 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3435 | 10.412 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 5018.21 | N/A | Employed | Employed | No | No | No |  |
| 841957 | xxxxxx | xxxxxx | 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 |
| 841968 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 842077 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1395 | 7.755 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11602.36 | N/A | Employed |  | No |  | No |  |
| 842089 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 842092 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 842093 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 842094 | xxxxxx | xxxxxx | 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 |
| 842099 | xxxxxx | xxxxxx | 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 |
| 842103 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842119 | xxxxxx | xxxxxx | 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 | 143045.76 | N/A | Employed |  | No |  | Yes | Present |
| 842121 | xxxxxx | xxxxxx | 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 | 28995.68 | N/A | Employed |  | No |  | Yes | Present |
| 842138 | xxxxxx | xxxxxx | 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 | 6868.7 | 8.185 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14030 | N/A | Not Employed |  | No |  | No |  |
| 842142 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5194 | 7.407 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 34283.63 | Yes | Retired |  | No |  | No |  |
| 842144 | xxxxxx | xxxxxx | 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 | 9700 | 7.651 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8249.19 | Yes | Employed |  | No |  | No |  |
| 842148 | xxxxxx | xxxxxx | 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 | 9364 | 9.971 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20134.21 | Yes | Employed |  | No |  | No |  |
| 842151 | xxxxxx | xxxxxx | 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 | 8412.53 | 8.038 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 171387.24 | Yes | Employed |  | No |  | No |  |
| 842162 | xxxxxx | xxxxxx | 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 | 17224 | 7.436 | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 33515.11 | Yes | Retired |  | No |  | No |  |
| 842170 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 4146.5 | 9.777 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32584.31 | Yes | Employed |  | No |  | No |  |
| 842171 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 18444.09 | 7.506 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3353.46 | No | Employed |  | No |  | No |  |
| 842176 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 23079 | 8.508 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9075.65 | Yes | Not Employed | Employed | No | No | No |  |
| 842181 | xxxxxx | xxxxxx | 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 | 36306.5 | 7.573 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39175.42 | Yes | Employed |  | No |  | No |  |
| 842297 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | N/A | 16330 | Yes | Employed |  | No |  | Yes | Present |
| 842321 | xxxxxx | xxxxxx | 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 |
| 842331 | xxxxxx | xxxxxx | 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 |
| 842334 | xxxxxx | xxxxxx | 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 | 10024 | 8.085 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4760.7 | Yes | Employed |  | No |  | No |  |
| 842335 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 8120.88 | 8.483 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3556.55 | N/A | Employed |  | No |  | No |  |
| 842337 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10815 | 6.903 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12330.61 | Yes | Employed |  | No |  | No |  |
| 842401 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4045 | 7.685 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26942.81 | Yes | Employed |  | No |  | No |  |
| 842414 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.999 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4992.1 | Yes | Retired |  | No |  | No |  |
| 842422 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1550 | 7.434 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6639.69 | Yes | Employed |  | No |  | No |  |
| 842459 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16973.61 | 8.141 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 79326.2 | Yes | Employed |  | No |  | No |  |
| 842462 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 842464 | xxxxxx | xxxxxx | 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 | 6039.82 | 11.728 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6267.59 | N/A | Employed |  | No |  | No |  |
| 842468 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13672.5 | 7.836 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9798.64 | N/A | Employed |  | No |  | No |  |
| 842478 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3601.89 | 7.088 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7349.55 | Yes | Employed |  | No |  | No |  |
| 842487 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6213.75 | 8.816 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 93402.6 | N/A | Employed | Employed | No | No | No |  |
| 842514 | xxxxxx | xxxxxx | 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 |
| 842524 | xxxxxx | xxxxxx | 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 | Yes | N/A | 36214.64 | Yes | Employed |  | No |  | Yes | Present |
| 842529 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842531 | xxxxxx | xxxxxx | 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 |
| 842546 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 0 | 8.397 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 127876.54 | Yes | Employed |  | No |  | No |  |
| 842554 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 31495 | 7.784 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 63368.31 | Yes | Employed |  | No |  | No |  |
| 842559 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842574 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2289.4 | 10.07 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5075.13 | N/A | Employed |  | No |  | No |  |
| 842600 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 11575 | 9.587 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14412.12 | Yes | Employed |  | No |  | No |  |
| 842610 | xxxxxx | xxxxxx | 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 |
| 842626 | xxxxxx | xxxxxx | 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 | 16638.34 | Yes | Employed |  | No |  | Yes | Present |
| 842672 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2390 | 7.677 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 92423.92 | Yes | Employed |  | No |  | No |  |
| 842680 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1550 | 8.089 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 35033.55 | N/A | Employed |  | No |  | No |  |
| 842682 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 14305.7 | 8.949 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 35282.59 | Yes | Employed |  | No |  | No |  |
| 842690 | xxxxxx | xxxxxx | 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 | 9845 | 9.147 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14488.87 | Yes | Employed |  | No |  | No |  |
| 842710 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 31314.48 | 7.824 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33308.29 | Yes | Employed |  | No |  | No |  |
| 842711 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4316.75 | 7.67 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5978.41 | Yes | Employed |  | No |  | No |  |
| 842738 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 5870.23 | 8.925 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3231.52 | N/A | Employed |  | No |  | No |  |
| 842749 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 28990 | 7.961 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 49279.25 | N/A | Employed |  | No |  | No |  |
| 842751 | xxxxxx | xxxxxx | 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 |
| 842764 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5840 | 8.426 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16828.39 | Yes | Employed |  | No |  | No |  |
| 842767 | xxxxxx | xxxxxx | 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 |
| 842770 | xxxxxx | xxxxxx | 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 | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842826 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1495 | 7.034 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15537.94 | Yes | Not Employed |  | No |  | No |  |
| 842839 | xxxxxx | xxxxxx | 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 |
| 842842 | xxxxxx | xxxxxx | 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 |
| 842846 | xxxxxx | xxxxxx | 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 |
| 842852 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 3550 | 8.354 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11857.93 | N/A | Employed |  | No |  | No |  |
| 842891 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2020 | 7.868 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8096.15 | Yes | Employed |  | No |  | No |  |
| 842916 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 4410 | 8.741 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7470.04 | N/A | Employed | Not Employed | No | No | No |  |
| 842929 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16930 | 7.429 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16400.09 | N/A | Employed |  | No |  | No |  |
| 842930 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 9495 | 8.062 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26484.58 | N/A | Employed |  | No |  | No |  |
| 842940 | xxxxxx | xxxxxx | 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 | 24108.83 | Yes | Employed | Not Employed | No | No | Yes | Present |
| 842950 | xxxxxx | xxxxxx | 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 |
| 842953 | xxxxxx | xxxxxx | 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 |
| 842956 | xxxxxx | xxxxxx | 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 |
| 842972 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10231.5 | 7.552 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5725.25 | Yes | Employed |  | No |  | No |  |
| 842997 | xxxxxx | xxxxxx | 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 | 32361.73 | Yes | Employed |  | No |  | Yes | Present |
| 843025 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 1790 | 8.804 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 17926.14 | Yes | Employed |  | No |  | No |  |
| 843026 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5550 | 7.333 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11933.43 | N/A | Employed |  | No |  | No |  |
| 843028 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3570 | 7.588 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6488.84 | Yes | Employed | Employed | No | No | No |  |
| 843039 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 16767.5 | 9.675 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32256.9 | Yes | Employed |  | No |  | No |  |
| 843045 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 2348 | 10.162 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4803.83 | Yes | Employed | Employed | No | No | No |  |
| 843125 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3702.04 | 9.385 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3802.26 | Yes | Retired | Retired | No | No | No |  |
| 843151 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16615 | 7.755 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10044.39 | Yes | Employed |  | No |  | No |  |
| 843157 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2548 | 7.527 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28521.08 | Yes | Employed |  | No |  | No |  |
| 843167 | xxxxxx | xxxxxx | 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 | 4628.15 | 8.947 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6221.31 | N/A | Employed | Employed | No | No | No |  |
| 843468 | xxxxxx | xxxxxx | 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 |
| 843522 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 7.453 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9029.41 | N/A | Employed |  | No |  | No |  |
| 843524 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9175 | 7.564 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4153.62 | N/A | Employed |  | No |  | No |  |
| 843532 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 31550 | 7.397 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21959.52 | Yes | Employed | Not Employed | No | No | No |  |
| 843605 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1895 | 7.792 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16493.35 | Yes | Employed |  | No |  | No |  |
| 843608 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6550 | 7.612 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18861.9 | N/A | Employed |  | No |  | No |  |
| 843622 | xxxxxx | xxxxxx | 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 | 7427.9 | 9.038 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 8535.82 | N/A | Employed |  | No |  | No |  |
| 843640 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 1590 | 7.778 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 73002.25 | Yes | Employed |  | No |  | No |  |
| 843641 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3678.6 | 9.347 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9802.07 | N/A | Employed | Employed | No | No | No |  |
| 843646 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7789.56 | 7.427 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 99768.37 | Yes | Employed |  | No |  | No |  |
| 843647 | xxxxxx | xxxxxx | 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 | 106751.61 | Yes | Employed |  | No |  | Yes | Present |
| 843656 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 4972.6 | 9.553 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5381.04 | N/A | Employed | Employed | No | No | No |  |
| 843726 | xxxxxx | xxxxxx | 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 | 45228.6 | Yes | Employed |  | No |  | Yes | Present |
| 843761 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5638.62 | N/A | Employed |  | No |  | Yes | Present |
| 843767 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 9495 | 8.739 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17714.28 | N/A | Employed |  | No |  | No |  |
| 843780 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7835 | 9.164 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6704.2 | N/A | Employed |  | No |  | No |  |
| 843796 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 6441.75 | 8.732 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18486.16 | Yes | Employed |  | No |  | No |  |
| 843832 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 5688.88 | 8.607 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5921.22 | Yes | Employed |  | No |  | No |  |
| 843836 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10048 | 7.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 150624.9 | N/A | Employed |  | No |  | No |  |
| 843891 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 25783.37 | 7.685 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15523.82 | Yes | Employed |  | No |  | No |  |
| 843895 | xxxxxx | xxxxxx | 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 | 11210 | 7.835 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18826.58 | N/A | Employed | Employed | No | No | No |  |
| 843911 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.641 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27985.93 | Yes | Retired |  | No |  | No |  |
| 843919 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 12025.42 | 7.44 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3263.98 | N/A | Retired |  | No |  | No |  |
| 843926 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4635 | 11.054 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 23696.61 | N/A | Employed |  | No |  | No |  |
| 843948 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9025 | 7.592 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4786.58 | Yes | Retired |  | No |  | No |  |
| 843965 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2548 | 7.593 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10423.59 | N/A | Employed |  | No |  | No |  |
| 843969 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12148 | 7.42 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12976.64 | N/A | Employed |  | No |  | No |  |
| 843983 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 5931.2 | 8.512 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11940.62 | Yes | Employed |  | No |  | No |  |
| 844019 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10640 | 7.647 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16684.16 | Yes | Employed |  | No |  | No |  |
| 844038 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 14495 | 7.931 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24119.99 | N/A | Employed |  | No |  | No |  |
| 844039 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | No | No | No | No | No | No | No | No | No | No | 24479 | 7.547 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22292.44 | N/A | Employed | Employed | No | No | No |  |
| 844040 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 22295 | 7.585 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10173.33 | N/A | Employed |  | No |  | No |  |
| 844041 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10605 | 7.792 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10187.97 | N/A | Employed |  | No |  | No |  |
| 844080 | xxxxxx | xxxxxx | 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 | 13678.46 | N/A | Employed |  | No |  | Yes | Present |
| 844081 | xxxxxx | xxxxxx | 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 | 10700.39 | 7.969 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9175.34 | Yes | Employed |  | No |  | No |  |
| 844108 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 4585.35 | 10.043 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5195.74 | Yes | Employed |  | No |  | No |  |
| 844192 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2365 | 7.999 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4152.71 | Yes | Employed |  | No |  | No |  |
| 844199 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7150 | 7.572 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46753.36 | N/A | Employed |  | No |  | No |  |
| 844205 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8710 | 7.337 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7624.16 | Yes | Employed |  | No |  | No |  |
| 844235 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 1891.43 | 8.306 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6810.82 | Yes | Employed |  | No |  | No |  |
| 844257 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 3380.5 | 8.88 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8676.65 | N/A | Employed |  | No |  | No |  |
| 844258 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4785.11 | 7.914 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6218.16 | N/A | Employed |  | No |  | No |  |
| 844259 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6275 | 7.974 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6057.5 | N/A | Employed |  | No |  | No |  |
| 844260 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | 23170.92 | N/A | Employed |  | No |  | Yes | Present |
| 844262 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 19934.26 | N/A | Employed |  | No |  | Yes | Present |
| 844264 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 6730 | 8.491 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9054.63 | N/A | Employed |  | No |  | No |  |
| 844265 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10608.38 | 8.067 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7996.4 | N/A | Employed |  | No |  | No |  |
| 844266 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11681 | 7.571 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8966.82 | N/A | Employed |  | No |  | No |  |
| 844272 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8365 | 7.427 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 9618.37 | Yes | Employed |  | No |  | No |  |
| 844305 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6036 | 7.546 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6520.15 | Yes | Employed |  | No |  | No |  |
| 844318 | xxxxxx | xxxxxx | 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 | 4910.98 | N/A | Employed |  | No |  | Yes | Present |
| 844374 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 22740 | 8.225 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25288.45 | Yes | Employed | Not Employed | No | No | No |  |
| 844390 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6920.25 | 7.914 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4383.97 | N/A | Employed |  | No |  | No |  |
| 844412 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4457.18 | 8.69 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7990.29 | Yes | Employed | Employed | No | No | No |  |
| 844425 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1550 | 7.05 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25108.19 | Yes | Employed |  | No |  | No |  |
| 844524 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7335 | 7.719 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5615.11 | Yes | Employed |  | No |  | No |  |
| 844537 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2195 | 8.458 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20126.54 | N/A | Employed | Not Employed | No | No | No |  |
| 844539 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2465 | 7.719 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31747.12 | N/A | Employed |  | No |  | No |  |
| 844544 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 11282.87 | Yes | Employed |  | No |  | Yes | Present |
| 844583 | xxxxxx | xxxxxx | 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 | Yes | Yes | 18478.01 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 844585 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7295 | 7.693 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6580.1 | N/A | Employed |  | No |  | No |  |
| 844587 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15520 | 7.844 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13892.98 | N/A | Employed |  | No |  | No |  |
| 844588 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 16895 | 7.688 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17297.8 | N/A | Employed |  | No |  | No |  |
| 844590 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14795 | 7.633 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22639.17 | N/A | Employed |  | No |  | No |  |
| 844603 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2390 | 7.532 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 110367.65 | N/A | Employed |  | No |  | No |  |
| 844609 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | Yes | No | No | No | No | No | No | No | No | No | 8556.63 | 7.449 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17450.03 | Yes | Employed | Employed | No | No | No |  |
| 844616 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2745 | 7.401 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 100777.88 | N/A | Employed |  | No |  | No |  |
| 844624 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 16690 | 7.22 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17690.99 | Yes | Employed |  | No |  | No |  |
| 844625 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4565 | 7.452 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17250.67 | N/A | Employed |  | No |  | No |  |
| 844626 | xxxxxx | xxxxxx | 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 | 17849.07 | N/A | Employed |  | No |  | Yes | Present |
| 844636 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | Yes | Yes | 33624.63 | N/A | Employed |  | No |  | Yes | Present |
| 844700 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7425 | 7.732 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5946.83 | N/A | Employed |  | No |  | No |  |
| 844706 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1570 | 7.399 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13808.47 | N/A | Employed |  | No |  | No |  |
| 844767 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6415 | 8.679 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | 44183.9 | Yes | Employed |  | No |  | No |  |
| 844804 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20350 | 7.607 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36704.51 | N/A | Employed |  | No |  | No |  |
| 844809 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2675 | 8.455 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1110665.52 | N/A | Employed |  | No |  | No |  |
| 844828 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14675 | 7.548 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | Yes | Yes | Yes | 15357.69 | Yes | Employed |  | No |  | No |  |
| 844866 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 7.102 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8246.09 | N/A | Employed |  | No |  | No |  |
| 844920 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9774.39 | 7.374 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 6542.45 | N/A | Employed |  | No |  | No |  |
| 844922 | xxxxxx | xxxxxx | 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 | 6617.61 | Yes | Employed |  | No |  | Yes | Present |
| 844988 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10565 | 7.444 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8903.99 | N/A | Employed |  | No |  | No |  |
| 844996 | xxxxxx | xxxxxx | 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 | 20814.91 | Yes | Employed |  | No |  | Yes | Present |
| 845138 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 69750 | 7.792 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34402.49 | N/A | Employed |  | No |  | No |  |
| 845237 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 23495 | 8.093 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36406.32 | N/A | Employed |  | No |  | No |  |
| 845280 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | No | No | No | No | Yes | No | No | No | No | No | 14127.19 | 7.121 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 61593.26 | Yes | Employed | Employed | No | No | No |  |
| 845292 | xxxxxx | xxxxxx | 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 | 15475 | 8.106 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 126183.15 | Yes | Employed |  | No |  | No |  |
| 845442 | xxxxxx | xxxxxx | 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 | 6868.81 | Yes | Employed |  | No |  | Yes | Present |
| 845455 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 10695 | 8.961 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11548.83 | N/A | Employed |  | No |  | No |  |
| 845472 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11220 | 7.816 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13203.79 | N/A | Employed |  | No |  | No |  |
| 845794 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 10235 | 8.497 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9089.5 | N/A | Employed |  | No |  | No |  |
| 845837 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10665 | 7.441 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4578.62 | N/A | Employed |  | No |  | No |  |
| 845953 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2420 | 7.024 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | Yes | 35002.46 | Yes | Employed |  | No |  | No |  |
| 846025 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19220.35 | 7.944 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22550.78 | N/A | Employed | Not Employed | No | No | No |  |
| 846199 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8639.2 | 7.539 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8381.09 | N/A | Employed |  | No |  | No |  |
| 846200 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 14465 | 8.278 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33866.2 | N/A | Employed |  | No |  | No |  |
| 846203 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 1456.25 | 7.938 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18122.33 | N/A | Employed |  | No |  | No |  |
| 846569 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2290 | 8.456 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 11772.42 | N/A | Employed |  | No |  | No |  |
| 846570 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 5139 | 10.441 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10698.92 | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.20

**EXHIBIT 99.20**

**clarifii valuation report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 817898 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-03-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.84 | 69.84 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-09-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832812 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 33.6 | 33.6 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-08-2025 |
| 834369 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 01-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.78 | 63.78 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 03-28-2025 |
| 835674 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 03-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-03-2025 |
| 836773 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837356 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837450 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-13-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-22-2025 |
| 837683 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837839 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 12-26-2024 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2024 |
| 837858 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-30-2025 | Eligible | 1 | 05-30-2025 |
| 837882 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 04-29-2025 |
| 837897 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.83 | 64.83 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-30-2025 | Eligible | 1.9 | 05-30-2025 |
| 837987 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838081 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 76.29 | 76.29 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 05-16-2025 |
| 838176 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-12-2025 |
| 838226 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-23-2025 |
| 838230 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 05-27-2025 |
| 838334 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 05-09-2025 |
| 838411 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-21-2025 |
| 838413 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-18-2025 |
| 838471 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 66.89 | 66.89 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-14-2025 | Eligible | 1 | 05-14-2025 |
| 838506 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 06-13-2025 | Not Eligible | 2 | 06-13-2025 |
| 838567 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 03-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838593 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-12-2025 |
| 838594 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838601 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 04-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-02-2025 |
| 838604 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 03-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838646 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-29-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 24.23 | 24.23 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838647 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.63 | 70.63 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-25-2025 |
| 838669 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838720 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 03-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 58.9 | 58.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 05-23-2025 | Not Eligible | 1 | 05-23-2025 |
| 838746 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 05-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-05-2025 |
| 838766 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-14-2025 | Broker Price Opinion (BPO) |  |  | xxxxxx | 28.04 | 77.89 | xxxxxx | xxxxxx | .1015 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1144 | 90.0 | 0.1 | xxxxxx | xxxxxx | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1015 | xxxxxx | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838819 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 53.75 | 53.75 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838937 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-12-2025 |
| 838944 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-18-2025 | Eligible |  |  |
| 838956 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 06-16-2025 |
| 838958 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-07-2025 | Eligible | 1 | 06-07-2025 |
| 839322 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839337 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-03-2025 | Other |  |  | xxxxxx | 31.31 | 31.31 | xxxxxx | xxxxxx | -.0125 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0125 | xxxxxx | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839340 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-23-2025 |
| 839346 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0880 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0880 | xxxxxx | Moderate | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839371 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0595 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0595 | xxxxxx | Moderate | 07-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-09-2025 | Eligible |  |  |
| 839460 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 56.19 | 56.19 | xxxxxx | xxxxxx | -.0278 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0278 | xxxxxx | Moderate | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839464 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1429 | xxxxxx | High | 06-05-2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839523 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 07-16-2025 |
| 839569 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 13.04 | 56.14 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-19-2025 |
| 839597 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 03-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839613 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.0 | 05-08-2025 | Eligible | 1 | 05-08-2025 |
| 839664 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.94 | 64.94 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839685 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-25-2025 | Eligible | 1 | 06-25-2025 |
| 839687 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 27.06 | 59.15 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 05-30-2025 |
| 839699 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 06-10-2025 |
| 839706 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-16-2025 | Eligible | 1 | 06-16-2025 |
| 839735 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839737 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 04-28-2025 | Other |  |  | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0111 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0111 | xxxxxx | 06-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839750 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839778 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 46.36 | 46.36 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-10-2025 | Eligible |  |  |
| 839796 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 06-03-2025 |
| 839799 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0191 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0191 | xxxxxx | Moderate | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839816 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | xxxxxx | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-23-2025 |
| 839867 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-02-2025 |
| 839895 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 52.63 | 52.63 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-16-2025 | Eligible | 1 | 05-16-2025 |
| 839912 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 49.11 | 49.11 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-19-2025 |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-17-2025 | Eligible | 1.6 | 06-17-2025 |
| 839943 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 06-29-2025 |
| 839956 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-31-2025 |
| 840016 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.12 | 69.12 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840032 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 69.12 | 69.12 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840045 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 04-15-2025 | AVM |  |  | xxxxxx | 26.2 | 79.39 | xxxxxx | xxxxxx | -.0178 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0178 | 90.0 | 0.1 | xxxxxx | xxxxxx | 06-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840057 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840069 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0143 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0143 | 96.0 | 0.04 | xxxxxx | xxxxxx | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-14-2025 |
| 840076 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-23-2025 |
| 840168 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840181 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 58.25 | 58.25 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 05-30-2025 |
| 840213 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-09-2025 | Other |  |  | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0640 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0640 | xxxxxx | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840216 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 04-22-2025 | 2090 Individual Coop Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840252 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 20.3 | 77.37 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-03-2025 |
| 840268 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-09-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 50.1 | 50.1 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840293 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840386 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.0 | 78.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-22-2025 | Eligible |  |  |
| 840427 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 06-12-2025 |
| 840445 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-20-2025 | Eligible |  |  |
| 840466 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 46.06 | 46.06 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-31-2025 | Eligible | 1 | 03-31-2025 |
| 840477 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-21-2025 |
| 840487 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-06-2025 | Eligible |  |  |
| 840495 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-13-2025 | Eligible | 2.4 | 05-13-2025 |
| 840504 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 55.88 | 55.88 | xxxxxx | xxxxxx | .0143 | 1025 Small Residential Income Report |  |  |  |  | xxxxxx | xxxxxx | .0143 | 05-05-2025 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840553 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 05-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 05-28-2025 | Not Eligible |  |  |
| 840581 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.0 | 67.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-03-2025 |
| 840585 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-18-2025 |
| 840675 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840676 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-11-2025 |
| 840702 | xxxxxx |  | xxxxxx | xxxxx | 0 | 0 | $0.00 | MP | MP | xxxxxx | xxxxxx | MP | 65 | 65 | MP | MP | MP | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840719 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 58.98 | 58.98 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-15-2025 |
| 840738 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840751 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840755 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 04-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 66.23 | 66.23 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840761 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 87.78 | 87.78 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-23-2025 |
| 840775 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840803 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.07 | 73.07 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 06-27-2025 |
| 840834 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 61.74 | 61.74 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 07-03-2025 |
| 840850 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840880 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0039 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0039 | 96.0 | 0.04 | xxxxxx | xxxxxx | 07-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 06-19-2025 |
| 840887 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840896 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-20-2025 | 1075 Exterior Only Inspection Condo Report | xxxxxx | xxxxxx | xxxxxx | 25.92 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840911 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-13-2025 |
| 840917 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-25-2025 |
| 840941 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840960 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 05-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.52 | 64.52 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 06-18-2025 |
| 840975 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 24.25 | 64.65 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 06-17-2025 |
| 840994 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 56.97 | 56.97 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841027 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-29-2025 | Other |  |  | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0770 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0770 | xxxxxx | 06-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841061 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 51.85 | 51.85 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841079 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-24-2025 |
| 841088 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 05-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-05-2025 |
| 841098 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 26.87 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 06-06-2025 |
| 841103 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-30-2025 |
| 841110 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-05-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841130 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 06-04-2025 |
| 841163 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0915 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0915 | 94.0 | 0.06 | xxxxxx | xxxxxx | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 05-09-2025 |
| 841201 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-15-2025 |
| 841202 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-30-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841203 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-02-2025 | Eligible | 1 | 06-02-2025 |
| 841229 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.57 | 63.57 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841237 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 05-16-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 43.17 | 43.17 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841271 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | xxxxxx | xxxxxx | 06-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-01-2025 |
| 841327 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-07-2025 | Eligible | 1 | 07-07-2025 |
| 841334 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-23-2025 | Eligible | 1 | 06-25-2025 |
| 841337 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 54.95 | 54.95 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-18-2025 | Eligible |  |  |
| 841342 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 04-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841346 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841350 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | xxxxxx | xxxxxx | 06-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-03-2025 |
| 841383 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 06-20-2025 |
| 841385 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-18-2025 | Eligible | 1 | 06-18-2025 |
| 841549 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 47.83 | 47.83 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-04-2025 |
| 841572 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 36.49 | 68.4 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 07-11-2025 |
| 841586 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 16.61 | 54.57 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841588 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-14-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0411 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0411 | xxxxxx | Moderate | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841592 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 18.15 | 63.36 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-08-2025 | Eligible | 1 | 07-08-2025 |
| 841619 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 07-13-2025 |
| 841627 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0159 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0159 | 98.0 | 0.02 | xxxxxx | xxxxxx | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-27-2025 |
| 841630 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-13-2025 |
| 841653 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.92 | 67.92 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-24-2025 |
| 841656 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-01-2025 | Eligible | 1 | 07-01-2025 |
| 841679 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-05-2025 | Eligible | 1 | 06-05-2025 |
| 841680 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 06-16-2025 | Other |  |  | xxxxxx | 63.93 | 63.93 | xxxxxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841683 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 84.92 | 84.92 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-09-2025 | Eligible | 2.6 | 07-09-2025 |
| 841684 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 31.82 | 66.56 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-25-2025 |
| 841739 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 21.83 | 58.16 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 07-07-2025 |
| 841742 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 18.18 | 64.33 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841759 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-03-2025 | Eligible | 1 | 07-03-2025 |
| 841760 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.45 | 73.45 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841779 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.47 | 74.47 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-15-2025 | Eligible | 1 | 07-15-2025 |
| 841787 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 05-15-2025 |
| 841797 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 27.27 | 27.27 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-05-2025 | Eligible | 1 | 06-05-2025 |
| 841864 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 06-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 54.79 | 54.79 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841875 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 48.54 | 48.54 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 07-03-2025 |
| 841880 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-25-2025 |
| 841912 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 31.25 | 69.17 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 06-28-2025 |
| 841917 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-26-2025 | Eligible | 1.3 | 06-26-2025 |
| 841921 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-09-2025 |
| 841923 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 79.86 | 79.86 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-04-2025 |
| 841925 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 71.1 | 71.1 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-15-2025 |
| 841927 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | xxxxxx | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-16-2025 | Eligible | 1 | 07-16-2025 |
| 841931 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-24-2025 | Eligible | 1 | 06-24-2025 |
| 841943 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-01-2025 |
| 841945 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 07-10-2025 |
| 841948 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 61.94 | 61.94 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-03-2025 |  |  |  |  |  |  |  |  |  |  | 2 | 06-23-2025 | Eligible |  |  |
| 841949 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 20.0 | 79.96 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-06-2025 |
| 841957 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.67 | 62.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 06-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841968 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-23-2025 | Eligible |  |  |
| 842077 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 04-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 16.67 | 51.57 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-11-2025 |
| 842089 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 06-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842092 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842093 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842094 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.17 | 64.17 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-26-2025 |
| 842099 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 06-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.61 | 68.61 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842103 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.86 | 67.86 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-25-2025 |
| 842119 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.43 | 74.43 | xxxxxx | xxxxxx | .0057 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0057 | 04-30-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842121 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 58.37 | 58.37 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842138 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 71.4 | 71.4 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-13-2025 |
| 842142 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 29.2 | 29.2 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-07-2025 |
| 842144 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 05-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 58.93 | 58.93 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842148 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 03-27-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-16-2025 |
| 842151 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | xxxxxx | xxxxxx | 05-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-29-2025 |
| 842162 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-06-2025 | Eligible | 1 | 06-10-2025 |
| 842170 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-14-2025 |
| 842171 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 01-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 47.4 | 47.4 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-12-2025 |
| 842176 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 52.16 | 52.16 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 06-04-2025 |
| 842181 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 05-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 38.35 | 38.35 | xxxxxx | xxxxxx | -.0413 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0413 | xxxxxx | Moderate | 06-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 05-30-2025 |
| 842297 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 04-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842321 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842331 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 04-28-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 55.07 | 55.07 | xxxxxx | xxxxxx | -.0942 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0942 | xxxxxx | Moderate | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842334 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 12-03-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-06-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-18-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 12-10-2024 |
| 842335 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 10-02-2024 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-08-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842337 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 54.55 | 54.55 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-14-2025 |
| 842401 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842414 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-14-2025 | Eligible |  |  |
| 842422 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 44.3 | 44.3 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 07-14-2025 | Not Eligible | 1 | 07-14-2025 |
| 842459 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 07-07-2025 |
| 842462 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 40.54 | 40.54 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842464 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 38.81 | 84.73 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-16-2025 |
| 842468 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 44.11 | 44.11 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-10-2025 |
| 842478 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 49.71 | 49.71 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-09-2025 |
| 842487 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25.28 | 63.57 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-07-2025 |
| 842514 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842524 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 07-16-2025 |
| 842529 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842531 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0095 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0095 | 95.0 | 0.05 | xxxxxx | xxxxxx | 07-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 07-03-2025 |
| 842546 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-15-2025 | Eligible | 1 | 07-15-2025 |
| 842554 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-07-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 07-01-2025 | Eligible | 1.7 | 07-01-2025 |
| 842559 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842574 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 14.12 | 68.73 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-09-2025 |
| 842600 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842610 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.97 | 68.97 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842626 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 07-10-2025 |
| 842672 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 30.17 | 30.17 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-14-2025 |
| 842680 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-02-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842682 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-10-2025 |
| 842690 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 21.74 | 67.57 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-08-2025 |
| 842710 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 07-10-2025 |
| 842711 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 06-30-2025 | Not Eligible | 1.7 | 06-30-2025 |
| 842738 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-28-2025 |
| 842749 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | 07-18-2025 |
| 842751 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 72.65 | 72.65 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842764 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 17.73 | 53.54 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1085 | 94.0 | 0.06 | xxxxxx | xxxxxx | 07-16-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842767 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-14-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 24.16 | 24.16 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842770 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-02-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842826 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-15-2025 | Eligible | 1 | 07-15-2025 |
| 842839 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-09-2025 | Eligible |  |  |
| 842842 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 03-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842846 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842852 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-21-2025 | Eligible | 1.6 | 07-21-2025 |
| 842891 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.89 | 69.89 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-16-2025 | Eligible |  |  |
| 842916 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-09-2025 |
| 842929 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842930 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.21 | 79.21 | xxxxxx | xxxxxx | -.0099 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1089 | xxxxxx | High | 06-10-2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0099 | xxxxxx | 06-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842940 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842950 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842953 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842956 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.7 | 68.7 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842972 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 24.18 | 24.18 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842997 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-15-2025 |
| 843025 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843026 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-15-2025 | Eligible | 1.2 | 07-15-2025 |
| 843028 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 66.14 | 66.14 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 06-26-2025 |
| 843039 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-10-2025 | Eligible | 2.1 | 07-10-2025 |
| 843045 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 15.25 | 73.35 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843125 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 14.16 | 69.03 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-01-2025 |
| 843151 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-07-2025 |
| 843157 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 07-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 72.84 | 72.84 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 07-25-2025 |
| 843167 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 21.83 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 07-22-2025 |
| 843468 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | xxxxxx | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-30-2025 | Eligible |  |  |
| 843522 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 07-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-11-2025 |
| 843524 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 38.6 | 38.6 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843532 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 56.34 | 56.34 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843605 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.9 | 64.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-15-2025 |
| 843608 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.29 | 68.29 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843622 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 24.57 | 74.77 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843640 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843641 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 13.71 | 65.56 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843646 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-17-2025 |
| 843647 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 07-06-2025 |
| 843656 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 15.56 | 56.51 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-13-2025 |
| 843726 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 03-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-24-2025 |
| 843761 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-06-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 26.32 | 66.06 | xxxxxx | xxxxxx | -.0862 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0862 | 90.0 | 0.1 | xxxxxx | xxxxxx | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843767 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-25-2025 | Eligible |  |  |
| 843780 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 39.31 | 76.31 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-14-2025 |
| 843796 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.43 | 78.43 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843832 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-30-2025 | Eligible | 1 | 07-30-2025 |
| 843836 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 44.64 | 44.64 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 07-22-2025 | Not Eligible | 2.4 | 07-22-2025 |
| 843891 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-18-2025 | Eligible | 1 | 07-18-2025 |
| 843895 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-01-2025 |
| 843911 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 04-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843919 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 08-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.86 | 67.86 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 08-08-2025 |
| 843926 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 11.2 | 79.93 | xxxxxx | 0.0 | .0000 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | 94.0 | 0.06 | xxxxxx | xxxxxx | 07-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843948 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 07-07-2025 | Not Eligible | 1.4 | 07-07-2025 |
| 843965 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-22-2025 | Eligible | 1 | 07-22-2025 |
| 843969 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843983 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-28-2025 |
| 844019 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 71.46 | 71.46 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844038 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844039 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0278 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0278 | xxxxxx | Moderate | 07-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-07-2025 |
| 844040 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 06-17-2025 |
| 844041 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-29-2025 |
| 844080 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-09-2025 |
| 844081 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-11-2025 |
| 844108 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 35.35 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-24-2025 |
| 844192 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 08-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-11-2025 |
| 844199 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0196 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0196 | 07-19-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 07-21-2025 | Not Eligible |  |  |
| 844205 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0236 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0236 | 95.0 | 0.05 | xxxxxx | xxxxxx | 08-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-05-2025 |
| 844235 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 89.64 | 89.64 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-08-2025 | Eligible | 1.2 | 08-08-2025 |
| 844257 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-23-2025 |
| 844258 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-23-2025 |
| 844259 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 06-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-27-2025 |
| 844260 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0841 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0841 | xxxxxx | Moderate | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 07-07-2025 | Not Eligible |  |  |
| 844262 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 06-25-2025 |
| 844264 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 06-30-2025 |
| 844265 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-02-2025 |
| 844266 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-17-2025 |
| 844272 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.89 | 79.89 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-04-2025 |
| 844305 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-17-2025 | Eligible | 1 | 07-17-2025 |
| 844318 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-21-2025 |
| 844374 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844390 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-30-2025 | Eligible |  |  |
| 844412 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 08-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 26.94 | 75.69 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 08-12-2025 |
| 844425 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.96 | 79.96 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844524 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 08-08-2025 | Not Eligible | 1 | 08-08-2025 |
| 844537 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 27.78 | 70.61 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 07-03-2025 |
| 844539 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844544 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 08-15-2025 |
| 844583 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 06-29-2025 |
| 844585 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-25-2025 |
| 844587 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 06-25-2025 |
| 844588 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-24-2025 |
| 844590 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844603 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-24-2025 |
| 844609 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 89.99 | 89.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-07-2025 | Eligible | 1 | 08-07-2025 |
| 844616 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.99 | 78.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 08-08-2025 | Not Eligible | 2.3 | 08-08-2025 |
| 844624 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844625 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-21-2025 | Eligible |  |  |
| 844626 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-28-2025 |
| 844636 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 05-27-2025 |
| 844700 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-16-2025 |
| 844706 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-31-2025 |
| 844767 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 16.87 | 53.83 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 08-11-2025 |
| 844804 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844809 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 05-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 33.04 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-30-2025 |
| 844828 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 08-08-2025 | Not Eligible | 1 | 08-08-2025 |
| 844866 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.61 | 69.61 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-30-2025 |
| 844920 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 07-31-2025 |
| 844922 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-05-2025 |
| 844988 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 77.07 | 77.07 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-04-2025 |
| 844996 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 08-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845138 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.59 | 64.59 | xxxxxx | xxxxxx | .0011 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0011 | 06-30-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845237 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 05-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 06-04-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845280 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 06-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 07-09-2025 |
| 845292 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 08-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 08-08-2025 |
| 845442 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845455 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 07-08-2025 |
| 845472 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 08-11-2025 | Not Eligible | 1.5 | 08-11-2025 |
| 845794 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0053 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0053 | 08-08-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-22-2025 |
| 845837 | xxxxxx |  | xxxxxx | xxxxx |  | xxxxxx | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-12-2025 |
| 845953 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.86 | 67.86 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846025 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 07-18-2025 | Not Eligible |  |  |
| 846199 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 07-30-2025 |
| 846200 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | xxxxxx | -.0414 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0414 | xxxxxx | Moderate | 08-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-31-2025 | Eligible |  |  |
| 846203 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 07-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-17-2025 |
| 846569 | xxxxxx |  | xxxxxx | xxxxx | xxxxxx | 0 | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-30-2025 |
| 846570 | xxxxxx |  | xxxxxx | xxxxx |  | 0 | xxxxxx | 03-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 20.0 | 48.89 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-02-2025 |

---

## Exhibit 99.21

**EXHIBIT 99.21**

**CLARIFII RATING AGENCY MULTI PROPERTY VALUATION**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Property ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** | **Completion Report (1004D) Date** |
| 840702 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| 840702 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| 840702 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |
| 840702 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |
| 840702 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| 840702 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |

---

## Exhibit 99.22

**EXHIBIT 99.22**

**selene diligence llc ("selene") due diligence review narrative**

![](tm2524220d1_ex99-23img01.jpg)

**Selene Diligence LLC ("Selene") Due Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by VMC Asset Pooler, LLC ("Client"). The review was conducted between June 19, 2025 through September 19, 2025 via files imaged and provided for review (the "Review"), in connection with the Verus 2025-9 securitization.

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 53 residential and 27 business purpose loans for a total of 80 loans (the "Final Securitization Population").

*<u>Credit Reviews (80):</u>*

During the Review, Selene performed a credit review on 80 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (80)</u>*

During the Review, Selene performed a compliance review, as applicable, on 80 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (80):</u>*

During the Review, Selene performed a property valuation review on 80 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (80):</u>*

During the Review, Selene performed a Data Integrity Review on 80 mortgage loans in the Final Securitization Population.

*VERUS 2025-9 Executive Summary (Selene Diligence)*

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 80 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;80 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;80 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;80 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;80 | &nbsp;&nbsp;100.00% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E, S&P Global Ratings and Kroll Bond Rating Agency, LLC. (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

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

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

---

| | |
|:---|:---|
| *VERUS 2025-9 Executive Summary (Selene Diligence)* | Page **2** of **18** |

---

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A, B, C, and D, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Assessed whether the characteristics of the
mortgage loans and the borrowers conformed to the guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Re-calculated
LTV, CLTV, income, liabilities and compared these against the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analyzed asset statements to determine whether
funds to close and reserves were within the guidelines; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirmed
that credit scores (FICO) and credit histories were within the guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined the presence and correct execution of required documents and, as applicable, validation that the loans comply with state or federal compliance rules, such as the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

**PROPERTY VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Original Appraisal Assessment** 

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Value Supported Analysis** 

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

---

| | |
|:---|:---|
| *VERUS 2025-9 Executive Summary (Selene Diligence)* | Page **3** of **18** |

---

**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Tape
data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan
Reviewer collects validated loan data;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Discrepancies
found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**DSCR REVIEW**

Selene's DSCR review consisted of the below:

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

Please reference **Appendix D**, attached hereto, for additional information.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 80 mortgage loans, (ii) a Compliance Review, as applicable, on 80 mortgage loans (iii) a Valuation Review on 80 mortgage loans, and (iv) a Data Integrity Review on 80 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 80 mortgage loans; 57 mortgage loans had a rating grade of A and 23 mortgage loans had a rating grade of B.

---

| | |
|:---|:---|
| *VERUS 2025-9 Executive Summary (Selene Diligence)* | Page **4** of **18** |

---

***Grades per loan (80 overall loans):***

 ****

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**S&P %** | &nbsp;&nbsp;**Kroll %** | <br>&nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**S&P %** | &nbsp;&nbsp;**Kroll %** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;13 | &nbsp;&nbsp;16.25% | &nbsp;&nbsp;16.25% | &nbsp;&nbsp;A | &nbsp;&nbsp;57 | &nbsp;&nbsp;57 | &nbsp;&nbsp;71.25% | &nbsp;&nbsp;71.25% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.50% | &nbsp;&nbsp;2.50% | &nbsp;&nbsp;B | &nbsp;&nbsp;23 | &nbsp;&nbsp;23 | &nbsp;&nbsp;28.75% | &nbsp;&nbsp;28.75% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;11 | &nbsp;&nbsp;11 | &nbsp;&nbsp;13.75% | &nbsp;&nbsp;13.75% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;54 | &nbsp;&nbsp;54 | &nbsp;&nbsp;67.50% | &nbsp;&nbsp;67.50% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** |  | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**S&P %** | &nbsp;&nbsp;**Kroll %** | &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**S&P %** | &nbsp;&nbsp;**Kroll %** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;78 | &nbsp;&nbsp;78 | &nbsp;&nbsp;97.50% | &nbsp;&nbsp;97.50% | &nbsp;&nbsp;A | &nbsp;&nbsp;59 | &nbsp;&nbsp;59 | &nbsp;&nbsp;73.75% | &nbsp;&nbsp;73.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.50% | &nbsp;&nbsp;2.50% | &nbsp;&nbsp;B | &nbsp;&nbsp;21 | &nbsp;&nbsp;21 | &nbsp;&nbsp;26.25% | &nbsp;&nbsp;26.25% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |  |
| &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**S&P %** | &nbsp;&nbsp;**Kroll %** |  |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;79 | &nbsp;&nbsp;79 | &nbsp;&nbsp;98.75% | &nbsp;&nbsp;98.75% |  |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.25% | &nbsp;&nbsp;1.25% |  |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |  |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |  |  |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

---

| | |
|:---|:---|
| *VERUS 2025-9 Executive Summary (Selene Diligence)* | Page **5** of **18** |

---

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction.

All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;1. Selene Due Diligence Narrative Report

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

&nbsp;&nbsp;&nbsp;&nbsp;3. Grading Summary

&nbsp;&nbsp;&nbsp;&nbsp;4. Exception Detail

&nbsp;&nbsp;&nbsp;&nbsp;5. Tape Discrepancies

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

&nbsp;&nbsp;&nbsp;&nbsp;7. Supplemental Data

&nbsp;&nbsp;&nbsp;&nbsp;8. ATR/QM Report

&nbsp;&nbsp;&nbsp;&nbsp;9. Third Party (TPR) Attestation Form

&nbsp;&nbsp;&nbsp;&nbsp;10. Attestation Form 15E

---

| | |
|:---|:---|
| *VERUS 2025-9 Executive Summary (Selene Diligence)* | Page **6** of **18** |

---

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

---

| | |
|:---|:---|
| *VERUS 2025-9 Executive Summary (Selene Diligence)* | Page **7** of **18** |

---

**Asset Review**

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

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

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

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

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

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

**Hazard/Flood insurance** 

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

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

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

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

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

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

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

**Title**

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

**Fraud**

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

On this Fraud report Selene:

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

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

---

| | |
|:---|:---|
| *VERUS 2025-9 Executive Summary (Selene Diligence)* | Page **8** of **18** |

---

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

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

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

6. Addressed
all red flag issues.

**Additional Review**

Selene's review procedures also included:

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

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2025-9 Executive Summary (Selene Diligence)* | Page **9** of **18** |

---

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the applicable residential loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

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

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

---

| | |
|:---|:---|
| *VERUS 2025-9 Executive Summary (Selene Diligence)* | Page **10** of **18** |

---

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

---

| | |
|:---|:---|
| *VERUS 2025-9 Executive Summary (Selene Diligence)* | Page **11** of **18** |

---

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

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

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

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

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

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

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

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

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

---

| | |
|:---|:---|
| *VERUS 2025-9 Executive Summary (Selene Diligence)* | Page **12** of **18** |

---

**SCHEDULE I**

1. AL Consumer Credit License- Mortgage Broker License

2. AK Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License<br>
Registered Depository Institution Registration

3. AR Home Loan Protection Act

4. AZ Mortgage Banker & Broker License-Consumer Lender License

5. CA AB 489/344 (Division 1.6 of the Financial Code)

6. CO Consumer Equity Protection Article

7. CO Consumer Credit Code

8. DE Licensed Lender License Broker License Lender License

9. Washington, DC Home Loan Protection Act of 2002

10. Washington, DC Mortgage Disclosure Act of 2007

11. FL Fair Lending Act

12. GA Fair Lending Act (pre- and post-amendments)

13. HW Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License - Mortgage Loan Originator
Company License

14. ID Residential Mortgage Practices Act - (Home Loan Practices article)

15. IN Home Loan Practices Article

16. IA Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage Broker License-
Master Loan Company Registration<br>
Nonprofit Mortgage Banker Registrant

17. KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

18. LA Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

19. MA Mortgage Lender and Broker Regulations

20. MD Commercial Law amended by Maryland Senate Bill 270

21. Maryland Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

22. MI Consumer Mortgage Protection Act

23. MN Mortgage Originator and Servicer Licensing Act

24. MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

25. MO Mortgage Company License

26. MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License<br>
Mortgage Lender License

27. NC Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

28. ND Money Broker License

29. NE Mortgage Bankers Registration and Licensing Act

30. NH First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage Broker License

31. NJ Home Ownership Security Act 2002 (pre- and post-amendments)

32. NM Home Loan Protection Act (pre- and post-amendments)

33. OH Consumer Sales Practices Act

34. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

35. Summit County, OH Consumer Affairs Board Ordinance

36. Summit County, OH Consumer Protection Ordinance

---

| | |
|:---|:---|
| *VERUS 2025-9 Executive Summary (Selene Diligence)* | Page **13** of **18** |

---

&nbsp;&nbsp;&nbsp;&nbsp;37. OK Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company License – Mortgage
Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;1. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;2. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;3. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;4. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;5. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;6. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;7. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;8. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;9. ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread Home Loan, and Higher-Priced
Mortgage Loan Provisions (original 2003 provisions and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;10. MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced
Mortgage Loan Provisions - MA "Borrower's Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;11. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;12. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;13. NV Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;14. NY GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;15. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;16. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;17. OH Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;18. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;19. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;20. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;21. TX Home Loan and High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;22. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;23. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;24. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;25. WI Responsible High Cost Mortgage Lending Act

---

| | |
|:---|:---|
| *VERUS 2025-9 Executive Summary (Selene Diligence)* | Page **14** of **18** |

---

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding
that Selene may have reviewed valuation information for reasonableness.

o Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying
property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene
 is not a 'creditor' within the meaning of ECOA or other lending laws and regulations,
 and therefore Selene will not have any communication with or responsibility to any individual
 consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene
 does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

---

| | |
|:---|:---|
| *VERUS 2025-9 Executive Summary (Selene Diligence)* | Page **15** of **18** |

---

**APPENDIX D – DSCR SCOPE**

&nbsp;&nbsp;&nbsp;&nbsp;**1.** **Borrower Qualifications** 

Selene reviewed each Loan File to determine whether it contains the following borrower documents and if they adhere to the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Evidence of public record search (Thomson Reuters CLEAR)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Evidence of asset location searches for additional real estate transactions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Borrowers Questionnaire is completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Schedule of RE owned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Personal Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Background Search

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) Personal Financial Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) Liquidity and Net Worth Verification Documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Credit Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**2.** **Borrowing Entity Qualifications** 

Selene reviewed each Loan File to determine whether it contains the following entity documents and if they adhere to the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Evidence of public record search (Thomson Reuters CLEAR) and applicable Sec. of State evidence of good
standing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Evidence of asset location searches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Business Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Business Financials

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Articles of Incorporation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Bylaws/Operating agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) Resolution to take on Debt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) Organizational Chart

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Credit Approval Memo

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**3.** **Property Manager Entity Qualifications** 

Selene reviewed each Loan File to determine that Property Manager entity is incorporated and operated in the United States with bank accounts located in U.S. state and federally chartered bank accounts.

&nbsp;&nbsp;&nbsp;&nbsp;**4.**  **<u>Individual Property Scope</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Business Purpose Loan Affidavit** 

Selene reviewed each Loan File to determine whether a Business Purpose Loan is present and properly executed.

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Lease Review** 

Selene reviewed each Loan File to determine whether each property contains a valid lease and determine if it is executed in compliance with the guidelines, including a review of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Each lease has been executed by the applicable tenant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Confirm tenant is a natural person

---

| | |
|:---|:---|
| *VERUS 2025-9 Executive Summary (Selene Diligence)* | Page **16** of **18** |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm lease does not contain "lease to own" provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Verify vacancy factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Each lease contains the monthly rental payment, commencement and expiration dates, and term and remaining
term are in compliance with the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm rent, vacancy and lease commencement/expiration consistent with underwritten rent roll

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Valuation Review** 

Selene reviewed the appraisal provided for each property in the Loan File to ensure that the value meets the guidelines and that the market value concluded on the appraisal is properly supported. Selene reviewed the Loan to Value ("LTV") of each loan for program eligibility, pursuant to the guidelines. Specifically, Selene will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Confirm the appraisal is the correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Review property condition and type; confirm it meets guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review that value meets the minimum/maximum per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Confirm "as is" and "subject to" values

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Review sales comparables and adjustments for relevance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. For multifamily properties: review the appraiser's cash flow assumptions, rent comparables, cap
rate selection and value reconciliation

&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Insurance Review** 

Selene reviewed each Loan File to ensure that the property, flood, and hazard insurance policies are in compliance with the guidelines.

In the event the property is located within 25 miles of the Gulf of Mexico or the Atlantic Coast of Florida, Georgia, South Carolina, or North Carolina, Selene confirmed property has windstorm or "named storm" coverage.

&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Collateral Analysis** 

Selene reviewed each Loan File to determine whether it contains the following collateral documents and if they are in compliance with the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Executed Leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Rent Roll

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Rental Income Verification (proof of lease payments that demonstrate minimum 90% of scheduled gross rents for the previous two-month
period.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Operating Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Property Management Agreement

&nbsp;&nbsp;&nbsp;&nbsp;**f)** **Financial Analysis / Cash Flow Analysis** 

Selene reviewed each Loan File to determine whether it contains the following financial documents and if they are in compliance with the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Rent Roll:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm monthly rents are populated correctly at the loan level and portfolio level

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm Rent verification – proof of lease payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm vacancy is within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Operating Statements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm expenses within range, per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm taxes, insurance and HOA are populated at loan level and within range at portfolio level per the guidelines

---

| | |
|:---|:---|
| *VERUS 2025-9 Executive Summary (Selene Diligence)* | Page **17** of **18** |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm CapEx meets guidelines for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm annual maintenance fees meet guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm property management fees meet program requirements for range and historical consistency

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm the DSCR meets program guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Property Management Agreement / Tri Party Agreement if no property manager

---

| | |
|:---|:---|
| *VERUS 2025-9 Executive Summary (Selene Diligence)* | Page **18** of **18** |

---

## Exhibit 99.23

**EXHIBIT 99.23**

**SELENE RATING AGENCY GRADES detail REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 841710 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-19 01:57 | 2025-09-15 12:33 | Waived | 2 - Non-Material B | Credit | Credit | Tradeline minimum has not met guidelines | Waived-Waived with compensating factors. - Due Diligence Vendor-09/15/2025 <br> Waived-Exception Approval pg377<br> Minimum tradeline requirement - borrower has more than 3 tradelines open for 24+ months, however, has only 1 tradeline with activity in the recent 12 months.<br> Waived with compensating factors. - Due Diligence Vendor-09/15/2025 |  | Waived-Waived with compensating factors. - Due Diligence Vendor-09/15/2025 <br> Waived-Exception Approval pg377<br> Minimum tradeline requirement - borrower has more than 3 tradelines open for 24+ months, however, has only 1 tradeline with activity in the recent 12 months.<br> Waived with compensating factors. - Due Diligence Vendor-09/15/2025 | 1.Borrower(s) have 54.23 months Reserves. Minimum required per guidelines is 6 months.<br> 2.DSCR is 1.752. Minimum required per guidelines is 0.75.<br> 3.Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months.<br> 4.Borrower has a credit score of 739, an established and satisfactory credit history which includes mortgage accounts in addition to revolving/installment accounts, no outstanding revolving debt. Borrower owns several investment properties secured by private liens all of which are paid current with no late payments. Several months in cash reserves | 1.Borrower(s) have 54.23 months Reserves. Minimum required per guidelines is 6 months.<br> 2.DSCR is 1.752. Minimum required per guidelines is 0.75.<br> 3.Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months.<br> 4.Borrower has a credit score of 739, an established and satisfactory credit history which includes mortgage accounts in addition to revolving/installment accounts, no outstanding revolving debt. Borrower owns several investment properties secured by private liens all of which are paid current with no late payments. Several months in cash reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | Originator Post-Close | No | xxxxxx |
| 841710 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-19 17:37 | 2025-05-28 07:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Notarized copy of Business Purpose and Occupancy Affidavit, page 2 received. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. - Seller-05/27/2025 <br> Counter-Provide notarized copy of Business Purpose and Occupancy Affidavit, page 2. Received signed affidavit but document is missing the notarized copy. - Due Diligence Vendor-05/21/2025 <br> Counter-Provide notarized copy of Business Purpose and Occupancy Affidavit, page 2. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. - Seller-05/20/2025 <br> Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide notarized copy of Business Purpose & Occupancy Affidavit, Page 2. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. - Seller-05/27/2025 <br> Ready for Review-Document Uploaded. - Seller-05/20/2025 | Resolved-Notarized copy of Business Purpose and Occupancy Affidavit, page 2 received. - Due Diligence Vendor-05/28/2025 |  |  | Business Purpose and Occupancy Affidavit.pdf<br> xxxxxx - 1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 841704 | xxxxxx | D A | Closed | xxxxxx | 2025-06-05 10:46 | 2025-06-16 12:31 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-06/16/2025 <br> Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-06/16/2025 <br> Resolved-Received replacement cost estimator. Coverage is sufficient. Resolved. - Due Diligence Vendor-06/09/2025 <br> Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. Please see the attached. - Seller-06/06/2025 <br> Open-Provide hazard coverage to cover the loan amount of xxxxxx or the replacement cost estimator. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Please see the attached. - Seller-06/06/2025 | Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-06/16/2025 <br> Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-06/16/2025 <br> Resolved-Received replacement cost estimator. Coverage is sufficient. Resolved. - Due Diligence Vendor-06/09/2025 <br> Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-06/09/2025 |  |  | Property Insurance - Replacement Cost Estimator.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841704 | xxxxxx | D A | Closed | xxxxxx | 2025-06-05 10:37 | 2025-06-16 09:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Received notarized copy, page 2, of Business Purpose Affidavit. Resolved - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. Please see the attached - Seller-06/12/2025 <br> Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide notarized Business Purpose Affidavit. Received occupancy statement. Notarized Business Purpose Affidavit still needed. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Please see the attached - Seller-06/12/2025 | Resolved-Received notarized copy, page 2, of Business Purpose Affidavit. Resolved - Due Diligence Vendor-06/16/2025 |  |  | xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841704 | xxxxxx | D A | Closed | xxxxxx | 2025-06-05 11:04 | 2025-06-09 08:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Title commitment with sufficient coverage. Resolved - Due Diligence Vendor-06/09/2025 <br> Resolved-Title Document is Provided And Complete - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. Please see the attached - Seller-06/06/2025 <br> Open-Title Document is Incomplete Provide Title Commitment with the loan amount xxxxxx. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Please see the attached - Seller-06/06/2025 | Resolved-Received Title commitment with sufficient coverage. Resolved - Due Diligence Vendor-06/09/2025 <br> Resolved-Title Document is Provided And Complete - Due Diligence Vendor-06/09/2025 |  |  | Title - Commitment 350k.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841431 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-09 16:14 | 2025-06-17 09:18 | Resolved | 1 - Information A | Credit | Data | Primary Mortgage or Rent Months Reviewed values are ineligible | Resolved-Customer owned a home previously. See xxxxxx mortgage on credit report with last activity 12/24. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Customer owned a home previously. See xxxxxx mortgage on credit report with last activity 12/24. - Seller-06/16/2025 <br> Open-Primary Mortgage or Rent Months Reviewed can only be 12,24, 36,48, 60,72,84,96,108,120. a credit supplement shows 6 months reviewed, provide a complete 12 months history - Due Diligence Vendor-06/09/2025 | Ready for Review-Customer owned a home previously. See xxxxxx mortgage on credit report with last activity 12/24. - Seller-06/16/2025 | Resolved-Customer owned a home previously. See xxxxxx mortgage on credit report with last activity 12/24. - Due Diligence Vendor-06/17/2025 |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841431 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-05 23:36 | 2025-06-16 10:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. - Seller-06/13/2025 <br> Open-Guidelines do not allow entity to sign note Note and DOT is signed with Business Entity. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/13/2025<br>| Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-06/16/2025 | 1- 769 FICO - 700 Minimum FICO required<br> 2- 19 months reserves - 6 months reserves minimum (purchase loan) | 1- 769 FICO - 700 Minimum FICO required<br> 2- 19 months reserves - 6 months reserves minimum (purchase loan) | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 841706 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841714 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-09 07:25 | 2025-06-10 15:22 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-Waived with compensating factors. - Due Diligence Vendor-09/15/2025 <br> Open-Exception on page#769<br> - Project's Single Entity Ownership exceeds 50%. Currently there is a Single Entity Ownership of 58%. This risk is lowered since the xxxxxx. The HOA demonstrates financial stability by allocating 10% reserves annually and they currently hold a reserve balance of $18,351,795. <br> - Collateral: Property is xxxxxx that does not meet guidelines requirements - Due Diligence Vendor-06/09/2025 |  | Waived-Waived with compensating factors. - Due Diligence Vendor-09/15/2025 | 1.LTV is 55.6%. Maximum allowed per guidelines is 75%.<br> 2.Credit Score is 786. Minimum required per guidelines is 700.<br> 3.Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months.<br> Borrower(s) have 69.43 months Reserves. Minimum required per guidelines is 6 months.<br>| 1.LTV is 55.6%. Maximum allowed per guidelines is 75%.<br> 2.Credit Score is 786. Minimum required per guidelines is 700.<br> 3.Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months.<br> Borrower(s) have 69.43 months Reserves. Minimum required per guidelines is 6 months.<br>|  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841702 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-10 09:32 | 2025-06-12 12:56 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-06/12/2025 <br> Resolved-Both the March & April 2025 statements provided. System updated. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Only 1 month statement provided for the 401(k) account. Per guidelines: "For all asset types, full documentation of all assets utilized would include all pages of the most recent two months statements or the most recent quarterly statement." - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025<br>| Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-06/12/2025 <br> Resolved-Both the March & April 2025 statements provided. System updated. - Due Diligence Vendor-06/12/2025 |  |  | xxxxxx 03-01-03-31.pdf<br> xxxxxx 04-01-04-30.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841702 | xxxxxx | D A C | Closed | xxxxxx | 2025-06-09 23:14 | 2025-06-12 11:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust complete with the 1-4 Family Rider was provided. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-The Deed of Trust is Missing Deed of Trust is missing in file. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025<br>| Resolved-The Deed of Trust complete with the 1-4 Family Rider was provided. - Due Diligence Vendor-06/12/2025 |  |  | Mortgage - Deed of Trust.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841722 | xxxxxx | D A | Closed | xxxxxx | 2025-06-16 00:07 | 2025-06-18 00:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Provided Hazard Insurance Policy document shows Policy number. - Due Diligence Vendor-06/18/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Please see the attached. - Seller-06/17/2025 <br> Open-Hazard Insurance Policy Partially Provided Provide Policy number on Hazard insurance policy. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. Please see the attached. - Seller-06/17/2025<br>| Resolved-Provided Hazard Insurance Policy document shows Policy number. - Due Diligence Vendor-06/18/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/18/2025 |  |  | Property Insurance - Binder.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841722 | xxxxxx | D A | Closed | xxxxxx | 2025-06-16 00:07 | 2025-06-18 00:58 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Replacement cost estimator document provided. - Due Diligence Vendor-06/18/2025 <br> Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Please see the attached - Seller-06/17/2025 <br> Open-Hazard Insurance Coverage Amount of xxxxxx is less than Required Coverage Amount of xxxxxx and Guaranteed Replacement Coverage indicator is 'No' Provide Hazard Insurance Coverage to cover loan amount or provide replacement cost estimator. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. Please see the attached - Seller-06/17/2025<br>| Resolved-Replacement cost estimator document provided. - Due Diligence Vendor-06/18/2025 <br> Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-06/18/2025 |  |  | Property Insurance - Replacement Cost Estimator.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841722 | xxxxxx | D A | Closed | xxxxxx | 2025-06-16 04:22 | 2025-06-18 00:55 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Updated DSCR sheet provided showing Market Rent as $3025. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Please see the attached - Seller-06/17/2025 <br> Open-Provide documentation to support market rents used in the amount of $3,200. Market rent on appraisal is showing as $3025. Need updated DSCR Calculation sheet. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. Please see the attached - Seller-06/17/2025<br>| Resolved-Updated DSCR sheet provided showing Market Rent as $3025. - Due Diligence Vendor-06/18/2025 |  |  | dsscr.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840124 | xxxxxx | D A | Closed | xxxxxx | 2025-06-27 10:09 | 2025-07-02 05:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-07/02/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-07/02/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/02/2025 |  |  | xxxxxx Lock.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841715 | xxxxxx | B A | Closed | xxxxxx | 2025-06-17 02:13 | 2025-09-15 12:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Waived with compensating factors. - Due Diligence Vendor-09/15/2025 <br> Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception Approval in file for LTV of 75% with DSCR < 1 P419:<br> Audit DSCR with rental documentation is 0.84 with a max LTV of 70%.<br> Waived with compensating factors. - Due Diligence Vendor-09/15/2025 | We found projected STR rents in the area to be higher based on property xxxxxx. Please see attached properties in the same area with projected rents to be higher than 1. The one with the pool and smaller sq footage shows over $91k per yr, which would make our DSCR over 1.3. - 09/15/2025 <br> Exception requested for the low rents showing on the xxxxxx Report. - 09/15/2025 <br>| Waived- Waived with compensating factors. - Due Diligence Vendor-09/15/2025 <br> Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception Approval in file for LTV of 75% with DSCR < 1 P419:<br> Audit DSCR with rental documentation is 0.84 with a max LTV of 70%.<br> Waived with compensating factors. - Due Diligence Vendor-09/15/2025 | Borrower(s) have 27.66 months Reserves. Minimum required per guidelines is 9 months.<br> Audit FICO 791; minimum required 700 | Borrower(s) have 27.66 months Reserves. Minimum required per guidelines is 9 months.<br> Audit FICO 791; minimum required 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 839387 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841430 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840107 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-26 20:16 | 2025-07-02 06:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-Guidelines do not allow entity to sign note Document Uploaded. Note signed by xxxxxx on behalf of the Business Entity, xxxxxx. Provide Exception - Due Diligence Vendor-06/27/2025 | Borrower signed note as member of LLC instead of as individual, which differs from guideline. This is fine since we have the guaranty. - 07/02/2025 <br>Ready for Review-Document Uploaded. - Seller-07/01/2025 | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/02/2025 | Credit Score- Loan File 771, GL Requirement Min 700<br> Investor Experience- Loan File Investor experience xxxxxx REO properties, GL Requirement Not required<br> Personal Guaranty with full recourse executed by borrower present in file | Credit Score- Loan File 771, GL Requirement Min 700<br> Investor Experience- Loan File Investor experience xxxxxx REO properties, GL Requirement Not required<br> Personal Guaranty with full recourse executed by borrower present in file | Loan xxxxxx- Note signed by borrower on behalf of Business Entity.png<br> xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 840885 | xxxxxx | D A | Closed | xxxxxx | 2025-06-28 06:10 | 2025-07-23 06:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 1 Missing | Resolved-Gift letters in file on page 500 and 501 from same donor total the 1 deposit, bank statement with proof of funds received provided. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-UW Response: Guides do not require us to source deposits into the donors acct. - Seller-07/22/2025 <br> Counter-Deposit is not seasoned please provide gift letter or xxxxxx bank statement for the borrower. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-UW Response: This large deposit was into the donors account and we do not need to source the donors funds. - Seller-07/14/2025 <br> Counter-Just see incoming wire in amount of xxxxxx is the source of funds from the sale of property? - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Donor Statement - Seller-07/08/2025 <br> Open-Where did the source of funds in the amount of 222,166 come from that is deposited in borrower account 4/3 - Due Diligence Vendor-06/28/2025 | Ready for Review-UW Response: Guides do not require us to source deposits into the donors acct. - Seller-07/22/2025 <br> Ready for Review-UW Response: This large deposit was into the donors account and we do not need to source the donors funds. - Seller-07/14/2025 <br> Ready for Review-Document Uploaded. Donor Statement - Seller-07/08/2025 | Resolved-Gift letters in file on page 500 and 501 from same donor total the 1 deposit, bank statement with proof of funds received provided. - Due Diligence Vendor-07/23/2025 |  |  | Gift Documentation - Donor Statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840885 | xxxxxx | D A | Closed | xxxxxx | 2025-06-26 06:50 | 2025-07-07 06:39 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-07/02/2025 <br> Open-The 1008 document is missing from the loan file. Provided 1008 DTI 59.6% not matching with calculated DTI 41.24%, Required updated 1008 with correct DTI. (Sub property PITI $4743.21 + Second home $94 + Other REO Losses $2791.28 + Other liabilities $1706.21 = Total $9241.2 / $22,409.55\*100=41.24%)<br> - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-07/02/2025 | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/07/2025 |  |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840885 | xxxxxx | D A | Closed | xxxxxx | 2025-06-26 07:28 | 2025-06-26 07:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.587%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s517 and the Final Closing disclosure on Pg#'s 347, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 573. An interior and exterior appraisal was completed for this property – see pg 46-71, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 45, and confirmation the appraisal was delivered to the borrower – see Pg#'s 391. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-06/26/2025 |  | Resolved-The loan's (9.587%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test.xxxxxx using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s517 and the Final Closing disclosure on Pg#'s 347, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 573. An interior and exterior appraisal was completed for this property – see pg 46-71, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 45, and confirmation the appraisal was delivered to the borrower – see Pg#'s 391. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-06/26/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840768 | xxxxxx | D A | Closed | xxxxxx | 2025-07-10 12:23 | 2025-07-16 05:26 | Resolved | 1 - Information B A | Credit | Doc Issue | Signature/Name Affidavit and AKA Statement is Incomplete | Resolved-Resolved. Updated Signature/Name Affidavit and AKA Statement received. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Open-Credit Report page 103 and Fraud Report pages 326 and 328 reflect xxxxxx on the xxxxxx and xxxxxx scores and listed as an owner primary residence xxxxxx. Provide updated Signature/Name Affidavit and AKA Statement that includes xxxxxx - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025 | Resolved-Resolved. Updated Signature/Name Affidavit and AKA Statement received. - Due Diligence Vendor-07/16/2025 |  |  | xxxxxx Aff.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840768 | xxxxxx | D A | Closed | xxxxxx | 2025-07-10 12:31 | 2025-07-14 06:22 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Asset Worksheet received - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Open-Provide Asset Worksheet - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025 | Resolved-Asset Worksheet received - Due Diligence Vendor-07/14/2025 |  |  | xxxxxx AW.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 841411 | xxxxxx | D B A C | Closed | xxxxxx | 2025-07-14 16:12 | 2025-07-17 14:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/17/2025 |  |  | xxxxxx Lock.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841411 | xxxxxx | D B A C | Closed | xxxxxx | 2025-07-10 22:26 | 2025-07-17 14:06 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/17/2025 <br> Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-07/15/2025 <br> Open-VOR/VOM Doc Status should not be 'Missing'. Exception on page#502.<br> Missing completed VOR Form from Landlord. Email from Landlord in file stating never late, copy of lease in file to verify payment amount and 12 months bank statements in file to support payments made. - Due Diligence Vendor-07/11/2025 | Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-07/15/2025 | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/17/2025 | 1.DSCR is 4.808. Minimum required per guidelines is 0.<br> 2.LTV is 15.1%. Maximum allowed per guidelines is 75%.<br> 3.Credit Score is 761. Minimum required per guidelines is 700.<br> 4.Borrower(s) have 107.95 months Reserves. Minimum required per guidelines is 2 months. | 1.DSCR is 4.808. Minimum required per guidelines is 0.<br> 2.LTV is 15.1%. Maximum allowed per guidelines is 75%.<br> 3.Credit Score is 761. Minimum required per guidelines is 700.<br> 4.Borrower(s) have 107.95 months Reserves. Minimum required per guidelines is 2 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841411 | xxxxxx | D B A C | Closed | xxxxxx | 2025-07-10 22:21 | 2025-07-16 02:58 | Resolved | 1 - Information C A | Property | Data | Property State does not meet eligibility requirement(s) | Resolved-Condition raised for "Property State does not meet eligibility requirement(s) Property State eligibility requirement." but the Subject Property State is xxxxxx which is present in Eligibility states on page 17 of matrices hence resolved. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Open-Property State does not meet eligibility requirement(s) Property State eligibility requirement. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025 | Resolved-Condition raised for "Property State does not meet eligibility requirement(s) Property State eligibility requirement." but the Subject Property State is xxxxxx which is present in Eligibility states on page 17 of matrices hence resolved. - Due Diligence Vendor-07/16/2025 |  |  | DSCR Matrix.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841417 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-02 22:16 | 2025-07-11 13:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Waived with compensating factors - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Open-Guidelines do not allow entity to sign note Document Uploaded. Note signed by xxxxxx on behalf of Business Entity, xxxxxx. Provide Exception - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Waived-Waived with compensating factors - Due Diligence Vendor-09/15/2025 | DSCR is 1.024. Minimum required per guidelines is 0.75.<br> Borrower(s) have 4.42 months Reserves. Minimum required per guidelines is 2 months.<br> Personal Guaranty with full recourse executed by borrower present in file | DSCR is 1.024. Minimum required per guidelines is 0.75.<br> Borrower(s) have 4.42 months Reserves. Minimum required per guidelines is 2 months.<br> Personal Guaranty with full recourse executed by borrower present in file | Loan xxxxxx- Note signed by borrower on behalf of Business Entity.png<br> xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 841289 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840965 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-13 23:02 | 2025-07-19 07:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy expiration date received - resolved - Due Diligence Vendor-07/19/2025 <br> Ready for Review-Document Uploaded. Insurance - Seller-07/18/2025 <br> Open-Hazard Insurance Policy Partially Provided Provide updated Hazard insurance as the provided one on page 355 not reflecting Expiration date. - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. Insurance - Seller-07/18/2025 | Resolved-Hazard Insurance Policy expiration date received - resolved - Due Diligence Vendor-07/19/2025 |  |  | Property Insurance Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840965 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-13 22:45 | 2025-07-17 08:43 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-07/17/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide updated gap report as the provided one on page 273 dated 06/12/2025 not within 10 days. - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-07/17/2025 | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-07/17/2025 |  |  | GAP Credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840965 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-13 23:04 | 2025-07-17 08:40 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-proceeds from sale was not xxxxxx it was less and a new 1003 was provided, proof was in file pg 345 - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. 1003 - Seller-07/16/2025 <br> Open-Provide wired proof for the Proceeds from Real Estate property of $80,601 as per 1003 final on page #556 - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. 1003 - Seller-07/16/2025 | Resolved-proceeds from sale was not xxxxxx it was less and a new 1003 was provided, proof was in file pg 345 - Due Diligence Vendor-07/17/2025 |  |  | 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840965 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-13 22:37 | 2025-07-17 04:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/17/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. VVOE - Seller-07/16/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide VOE document as its missing in file. - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. VVOE - Seller-07/16/2025 | Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/17/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/17/2025 |  |  | VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840965 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-13 22:51 | 2025-07-15 04:59 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-07/14/2025 <br> Open-For securitization, a second property valuation needs to be provided. File needs a xxxxxx and/or xxxxxx UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-07/14/2025 | Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/15/2025 |  |  | xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840965 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-13 23:50 | 2025-07-19 08:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-An interior and exterior appraisal was completed for this property – see Pg #40, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #37,38,263. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/15/2025 <br> Open- - Due Diligence Vendor-07/19/2025 <br> Open- - Due Diligence Vendor-07/19/2025 <br> Resolved-The loan's (9.305%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #375,377 and the Final Closing disclosure on Pg #192, Finding reflects escrows. Rate lock date was entered correctly – see Pg #392,393. An interior and exterior appraisal was completed for this property – see Pg #40, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #37,38,263.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-An interior and exterior appraisal was completed for this property – see Pg #40, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #37,38,263. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/15/2025 <br> Resolved-The loan's (9.305%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #375,377 and the Final Closing disclosure on Pg #192, Finding reflects escrows. Rate lock date was entered correctly – see Pg #392,393. An interior and exterior appraisal was completed for this property – see Pg #40, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #37,38,263.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/14/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843107 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-16 21:44 | 2025-07-25 08:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Document Uploaded. Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Guidelines do not allow entity to sign note Per Matrix: Business Entity Title Vesting Only: ✓ xxxxxx. Property is in xxxxxx. - Due Diligence Vendor-07/25/2025 <br> Rescinded-Guidelines do not allow entity to sign note - Due Diligence Vendor-07/17/2025 | Borrower signed note as member of LLC instead of as individual, which differs from guideline. This is fine since we have the guaranty. - 07/25/2025 <br>| Waived-Document Uploaded. Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/25/2025 <br> Rescinded-Guidelines do not allow entity to sign note - Due Diligence Vendor-07/17/2025 | Qualifying FICO of 798 > 700 required<br> 6.65 months verified reserves > 2 required<br> Personal Guaranty with full recourse in file | Qualifying FICO of 798 > 700 required<br> 6.65 months verified reserves > 2 required<br> Personal Guaranty with full recourse in file | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843107 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-17 12:06 | 2025-07-21 05:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-The HUD-1 that the Lender identified as the Final was provided. System updated. Issue resolved. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-Final HUD-1 Document is Preliminary/Estimated Only. • There are two Settlement Statements in file, both dated xxxxxx, and both signed by the borrower. However, neither of them were signed/stamped/certified by the Settlement Agent. Unable to determine which document is considered the true Final. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025 | Resolved-The HUD-1 that the Lender identified as the Final was provided. System updated. Issue resolved. - Due Diligence Vendor-07/21/2025 |  |  | xxxxxx HUD.pdf<br> xxxxxx Seller HUD.pdf<br> xxxxxx HUD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840125 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-17 03:24 | 2025-07-21 07:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-Guidelines do not allow entity to sign note Document Uploaded. Nnote was signed by xxxxxx on behalf the Business Entity, xxxxxx. Provide Exception - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025 | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/21/2025 | Reserves- Loan File 11.19 months, GL Requirements Min 2 months<br> Credit Score 756, GL Requirement Min 700<br> DSCR- Loan File 1.262, GL Requirement Min 0.75<br> Personal Guaranty with full recourse executed by borrower present in file | Reserves- Loan File 11.19 months, GL Requirements Min 2 months<br> Credit Score 756, GL Requirement Min 700<br> DSCR- Loan File 1.262, GL Requirement Min 0.75<br> Personal Guaranty with full recourse executed by borrower present in file | Loan xxxxxx- Note signed by borrower on behalf of Business Entity.png<br> xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840125 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-17 11:54 | 2025-07-21 05:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Resolved. Confirmation of Rate Lock received - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-Provide Confirmation of Rate Lock - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025 | Resolved-Resolved. Confirmation of Rate Lock received - Due Diligence Vendor-07/21/2025 |  |  | xxxxxx lock.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840125 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-17 11:17 | 2025-07-21 05:53 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Resolved. Prior Mortgage is xxxxxx and is on credit report - Due Diligence Vendor-07/21/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Prior Mortgage is xxxxxx and is on credit report. - Seller-07/18/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per Matrix, a 12-month history is required for borrower's primary residence if in xxxxxx. Per credit report, only 5 months are reporting by current lender. Fraud Report reflects refi in 12/30/20024 with prior lender. Provide prior payment history - Due Diligence Vendor-07/17/2025 | Ready for Review-Prior Mortgage is xxxxxx and is on credit report. - Seller-07/18/2025 | Resolved-Resolved. Prior Mortgage is xxxxxx and is on credit report - Due Diligence Vendor-07/21/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/21/2025 |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841421 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-17 03:53 | 2025-07-21 07:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-Guidelines do not allow entity to sign note Document Uploaded. Note was signed by xxxxxx on behalf of Business Entity, xxxxxx. Provide Exception - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025 | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/21/2025 | DSCR- Loan File 1.048, GL Requirement Min 1.0<br> Housing History is 0X30, 42 months, GL Requirement 0X30, 12 months.<br> Investor Experience- Loan File 24 months, GL Requirement No minimum requirement<br> Personal Guaranty with full recourse executed by borrower present in file  | DSCR- Loan File 1.048, GL Requirement Min 1.0<br> Housing History is 0X30, 42 months, GL Requirement 0X30, 12 months.<br> Investor Experience- Loan File 24 months, GL Requirement No minimum requirement<br> Personal Guaranty with full recourse executed by borrower present in file  | Loan xxxxxx- Note signed by borrower on behalf of Business Entity.png<br> xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 841421 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-17 13:00 | 2025-07-21 06:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Resolved. Confirmation of Rate Lock received - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-Provide Confirmation of Rate Lock - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025 | Resolved-Resolved. Confirmation of Rate Lock received - Due Diligence Vendor-07/21/2025 |  |  | xxxxxx Lock.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 841421 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-17 04:16 | 2025-07-17 12:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing History Does Not Meet Guideline Requirements Exception page 343 <br> Exception Reason: OTHER- Loan File Living Rent Free. GL Requirement Primary Housing Expense<br> Living Rent Free since xxxxxx in Parents xxxxxx Unit Property. (previously owned primary and sold xxxxxx and has 0x30 payment history) <br> Client elects to waive with the following compensating factors.<br> - Due Diligence Vendor-07/17/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Exception page 343 <br> Exception Reason: OTHER- Loan File Living Rent Free. GL Requirement Primary Housing Expense<br> Living Rent Free since xxxxxx in Parents xxxxxx Unit Property. (previously owned primary and sold xxxxxx and has 0x30 payment history) <br> Client elects to waive with the following compensating factors.<br> - Due Diligence Vendor-07/17/2025 | Housing History is 0X30, 42 months, GL Requirement 0X30, 12 months.<br> Investor Experience- Loan File 24 months, GL Requirement No minimum requirement<br> Personal Guaranty with full recourse executed by borrower present in file | Housing History is 0X30, 42 months, GL Requirement 0X30, 12 months.<br> Investor Experience- Loan File 24 months, GL Requirement No minimum requirement<br> Personal Guaranty with full recourse executed by borrower present in file |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 841421 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-17 12:31 | 2025-07-17 12:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception page 343<br> Exception Reason: OTHER - Loan File Business purpose and activities are not limited to ownership and management of real estate, GL Requirement Business <br> purpose and activities are limited to ownership and management<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-07/17/2025 |  | Waived-Loan does not conform to program guidelines Exception page 343<br> Exception Reason: OTHER - Loan File Business purpose and activities are not limited to ownership and management of real estate, GL Requirement Business <br> purpose and activities are limited to ownership and management<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-07/17/2025 | Housing History is 0X30, 42 months, GL Requirement 0X30, 12 months.<br> Investor Experience- Loan File 24 months, GL Requirement No minimum requirement<br> Personal Guaranty with full recourse executed by borrower present in file | Housing History is 0X30, 42 months, GL Requirement 0X30, 12 months.<br> Investor Experience- Loan File 24 months, GL Requirement No minimum requirement<br> Personal Guaranty with full recourse executed by borrower present in file |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 843100 | xxxxxx | D A | Closed | xxxxxx | 2025-07-21 07:58 | 2025-07-29 06:46 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan passed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 365 and the Final Closing disclosure on Pg#'s 171 reflects escrows. Rate lock date was entered correctly – see Pg#'s findings an interior and exterior appraisal was completed for this property – see pg 41, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 461, and copy of the appraisal was given to the borrower – see Pg#'s 427 for the copy of the disclosure. The loan does meet HPML guidelines. - Due Diligence Vendor-07/29/2025 <br> Open- - Due Diligence Vendor-07/29/2025 <br> Resolved-This loan passed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 365 and the Final Closing disclosure on Pg#'s 171 reflects escrows. Rate lock date was entered correctly – see Pg#'s findings an interior and exterior appraisal was completed for this property – see pg 41, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 461, and copy of the appraisal was given to the borrower – see Pg#'s 427 for the copy of the disclosure. The loan does meet HPML guidelines. - Due Diligence Vendor-07/21/2025 <br> Open-This loan passed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 365 and the Final Closing disclosure on Pg#'s 171 reflects escrows. Rate lock date was entered correctly – see Pg#'s findings an interior and exterior appraisal was completed for this property – see pg 41, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 461, and copy of the appraisal was given to the borrower – see Pg#'s 427 for the copy of the disclosure. The loan does meet HPML guidelines. - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Open-The loan's (8.564%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 |  | Resolved-This loan passed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 365 and the Final Closing disclosure on Pg#'s 171 reflects escrows. Rate lock date was entered correctly – see Pg#'s findings an interior and exterior appraisal was completed for this property – see pg 41, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 461, and copy of the appraisal was given to the borrower – see Pg#'s 427 for the copy of the disclosure. The loan does meet HPML guidelines. - Due Diligence Vendor-07/29/2025 <br> Resolved-This loan passed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 365 and the Final Closing disclosure on Pg#'s 171 reflects escrows. Rate lock date was entered correctly – see Pg#'s findings an interior and exterior appraisal was completed for this property – see pg 41, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 461, and copy of the appraisal was given to the borrower – see Pg#'s 427 for the copy of the disclosure. The loan does meet HPML guidelines. - Due Diligence Vendor-07/21/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843100 | xxxxxx | D A | Closed | xxxxxx | 2025-07-21 07:58 | 2025-07-29 06:45 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-This loan passed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 365 and the Final Closing disclosure on Pg#'s 171 reflects escrows. Rate lock date was entered correctly – see Pg#'s findings an interior and exterior appraisal was completed for this property – see pg 41, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 461, and copy of the appraisal was given to the borrower – see Pg#'s 427 for the copy of the disclosure. The loan does meet HPML guidelines. - Due Diligence Vendor-07/29/2025 <br> Open- - Due Diligence Vendor-07/29/2025 <br> Resolved-This loan passed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 365 and the Final Closing disclosure on Pg#'s 171 reflects escrows. Rate lock date was entered correctly – see Pg#'s findings an interior and exterior appraisal was completed for this property – see pg 41, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 461, and copy of the appraisal was given to the borrower – see Pg#'s 427 for the copy of the disclosure. The loan does meet HPML guidelines. - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Open-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.564%) equals or exceeds the xxxxxx HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.83%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 |  | Resolved-This loan passed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 365 and the Final Closing disclosure on Pg#'s 171 reflects escrows. Rate lock date was entered correctly – see Pg#'s findings an interior and exterior appraisal was completed for this property – see pg 41, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 461, and copy of the appraisal was given to the borrower – see Pg#'s 427 for the copy of the disclosure. The loan does meet HPML guidelines. - Due Diligence Vendor-07/29/2025 <br> Resolved-This loan passed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 365 and the Final Closing disclosure on Pg#'s 171 reflects escrows. Rate lock date was entered correctly – see Pg#'s findings an interior and exterior appraisal was completed for this property – see pg 41, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 461, and copy of the appraisal was given to the borrower – see Pg#'s 427 for the copy of the disclosure. The loan does meet HPML guidelines. - Due Diligence Vendor-07/21/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843100 | xxxxxx | D A | Closed | xxxxxx | 2025-07-17 10:28 | 2025-07-29 06:44 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Loan Estimate Deficiency | Resolved-Resolved, per tracking summary initial LE was dated xxxxxx. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Open-Missing signed and dated LE's dated xxxxxx. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025 | Resolved-Resolved, per tracking summary initial LE was dated xxxxxx. - Due Diligence Vendor-07/29/2025 |  |  | xxxxxx LE.pdf<br> xxxxxx Tracking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843100 | xxxxxx | D A | Closed | xxxxxx | 2025-07-17 04:55 | 2025-07-21 08:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, received the initial CD. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-07/18/2025 <br> Open-TRID: Missing Closing Disclosure Missing initial CD, COC, and tracking disclosure summary. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Attached. - Seller-07/18/2025 | Resolved-Resolved, received the initial CD. - Due Diligence Vendor-07/21/2025 |  |  | Disclosure Tracking.pdf<br> CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843100 | xxxxxx | D A | Closed | xxxxxx | 2025-07-21 07:58 | 2025-07-21 08:11 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | Resolved-Resolved, received tracking summary with date the LE was received. - Due Diligence Vendor-07/21/2025 <br> Resolved- - Due Diligence Vendor-07/21/2025 <br> Open-A revised Loan Estimate was provided on (xxxxxx) via (ElectronicDelivery). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (xxxxxx). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (xxxxxx), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (xxxxxx). (12 CFR 1026.19(e)(4)(ii)) . - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 |  | Resolved-Resolved, received tracking summary with date the LE was received. - Due Diligence Vendor-07/21/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843100 | xxxxxx | D A | Closed | xxxxxx | 2025-07-17 10:15 | 2025-07-21 07:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Resolved, received rate lock confirmation dated xxxxxx. - Due Diligence Vendor-07/21/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-07/18/2025 <br> Open-Evidence of Rate Lock Missing Missing rate lock confirmation dated xxxxxx. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Attached. - Seller-07/18/2025<br>| Resolved-Resolved, received rate lock confirmation dated xxxxxx. - Due Diligence Vendor-07/21/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/21/2025 |  |  | Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843108 | xxxxxx | A | Closed | xxxxxx | 2025-07-17 11:28 | 2025-07-18 05:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.323%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#278's IEAD and the Final Closing disclosure on Pg#'s 105, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 323. An interior and exterior appraisal was completed for this property – see pg# 55, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 364, and confirmation the appraisal was delivered to the borrower – see Pg#'s 31. The loan meets HPML guidelines. - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/18/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 |  | Resolved-The loan's (9.323%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#278's IEAD and the Final Closing disclosure on Pg#'s 105, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 323. An interior and exterior appraisal was completed for this property – see pg# 55, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 364, and confirmation the appraisal was delivered to the borrower – see Pg#'s 31. The loan meets HPML guidelines. - Due Diligence Vendor-07/17/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841419 | xxxxxx | B A | Closed | xxxxxx | 2025-07-17 01:38 | 2025-07-17 11:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing History Does Not Meet Guideline Requirements Per Guideline Version 05/13/2025 page no# 22 "the land contract was executed less than 12 months ago, the borrower's previous housing payment history must also be verified to complete a completed 12-month history." Exception Approval on page #233 "Housing Payment History": "9 mos subject cancelled checks", Guideline Requirement "12 mos subject cancelled checks." Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/17/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Per Guideline Version 05/13/2025 page no# 22 "the land contract was executed less than 12 months ago, the borrower's previous housing payment history must also be verified to complete a completed 12-month history." Exception Approval on page #233 "Housing Payment History": "9 mos subject cancelled checks", Guideline Requirement "12 mos subject cancelled checks." Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/17/2025 | (1) Borrower(s) have 27.54 months Reserves. Minimum required per guidelines is 2 months.<br> (2) Tradelines exceed min loan file: "many dating back to 2016", Per Guideline "No Min."<br> (3) Investor Experience: "heavily experienced investor." | (1) Borrower(s) have 27.54 months Reserves. Minimum required per guidelines is 2 months.<br> (2) Tradelines exceed min loan file: "many dating back to 2016", Per Guideline "No Min."<br> (3) Investor Experience: "heavily experienced investor." |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 840082 | xxxxxx | D A | Closed | xxxxxx | 2025-07-18 08:52 | 2025-07-21 11:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-07/18/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. Attached. - Seller-07/18/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/21/2025 |  |  | Lock.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841632 | xxxxxx | D A | Closed | xxxxxx | 2025-07-08 23:38 | 2025-07-24 01:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Borrower 1 Photo Identification (Driver's License) provided with updated expiration date. - Due Diligence Vendor-07/24/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Updated ID - Seller-07/23/2025 <br> Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provide updated Driving License as the provided one on page 451 DL expired on xxxxxx - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. Updated ID - Seller-07/23/2025<br>| Resolved-Borrower 1 Photo Identification (Driver's License) provided with updated expiration date. - Due Diligence Vendor-07/24/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-07/24/2025 |  |  | xxxxxx updated photo.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841632 | xxxxxx | D A | Closed | xxxxxx | 2025-07-08 23:38 | 2025-07-24 01:34 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/24/2025 <br> Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/11/2025 <br> Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report as the provided one on page 437 shows uncleared alerts - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/11/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/24/2025 <br> Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/14/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841664 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-08 05:55 | 2025-08-11 08:00 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Updated docs provided. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Income Calc, 1003/1008 - Seller-08/07/2025 <br> Open-Income and Employment Do Not Meet Guidelines Per GL page 63, The most recent statement dated within 90 days of the note date But used last bank statement is xxxxxx it's been 118 days. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. Income Calc, 1003/1008 - Seller-08/07/2025 | Resolved-Updated docs provided. - Due Diligence Vendor-08/11/2025 |  |  | 1003.1008.pdf<br> Income calc- xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841664 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-08 05:53 | 2025-08-08 03:58 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-xxxxxx,latest bank statement provided. Asset Record 1 Meets G/L Requirements.<br> - Due Diligence Vendor-08/08/2025 <br> Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Updated Bank Statement - Seller-08/07/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Bank statement is expired (xxxxxx), per GL page 14, 46 Banks statements should be dated within 90 days of the loan note date but given statement date is xxxxxx its been 113 days. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. Updated Bank Statement - Seller-08/07/2025 | Resolved-xxxxxx,latest bank statement provided. Asset Record 1 Meets G/L Requirements.<br> - Due Diligence Vendor-08/08/2025 <br> Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-08/08/2025 |  |  | Bank Statement- xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841664 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-08 05:57 | 2025-07-14 03:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final 1003 uploaded borrower lives rent free and has no primary housing expense , Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/14/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Updated 1003 - Seller-07/11/2025 <br> Open-The Final 1003 is Incomplete As per LOX 364, Borrower living as rent free but 1003 reflects as rent of 2,000 and VOR is missing in the file - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. Updated 1003 - Seller-07/11/2025 | Resolved-Updated Final 1003 uploaded borrower lives rent free and has no primary housing expense , Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/14/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-07/14/2025 |  |  | 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841664 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-08 06:25 | 2025-07-09 12:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.502%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 360 and the Final Closing disclosure on Pg#'s 196 , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 384. An interior and exterior appraisal was completed for this property – see pg 47-97, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 44-45, and confirmation the appraisal was delivered to the borrower – see Pg#'s 246. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 |  | Resolved-The loan's (8.502%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 360 and the Final Closing disclosure on Pg#'s 196 , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 384. An interior and exterior appraisal was completed for this property – see pg 47-97, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 44-45, and confirmation the appraisal was delivered to the borrower – see Pg#'s 246. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/08/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841423 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-17 22:53 | 2025-07-21 11:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of $150000 - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-07/21/2025 | 1.205 DSCR score - 1.00 score required<br> 9.58 months reserves - 6 months reserves since this is a foreign national (purchase) | 1.205 DSCR score - 1.00 score required<br> 9.58 months reserves - 6 months reserves since this is a foreign national (purchase) | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840108 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841811 | xxxxxx | D A | Closed | xxxxxx | 2025-07-15 05:09 | 2025-07-21 04:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/21/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Income Calculations - Seller-07/18/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheets on page # 752-756, 720-721 are not reflecting legible numbers to verify the deposits. Per the final 1003, qualifying income for xxxxxx business is $61,499.34 and for xxxxxx business is $41,473.50. Provide updated lender worksheets validating these amounts. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Income Calculations - Seller-07/18/2025 | Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/21/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-07/21/2025 |  |  | Income Documentation - xxxxxx.pdf<br> Income Calculation Worksheet - New Pho.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841811 | xxxxxx | D A | Closed | xxxxxx | 2025-07-15 07:35 | 2025-07-21 04:35 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 Document uploaded, DTI matched the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-07/18/2025 <br> Open-Audited DTI is 32.16 and lender DTI is 36.38. The difference is 4.22.<br>This is due to the difference in monthly liabilities. Per our calculation, total liabitiles are $33,120.95 (credit liabitiles $4,387 + REO $11,048.33) whereas lender considered monthly liabitiles as $37,459.95 as lender included monthly payment for xxxxxx twice in their calculations. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-07/18/2025 | Resolved-Updated 1008 Document uploaded, DTI matched the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/21/2025 |  |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840856 | xxxxxx | D A | Closed | xxxxxx | 2025-07-16 22:14 | 2025-07-24 06:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Updated Hazard policy with policy number, Term and Mortgage clause Provided. - Due Diligence Vendor-07/24/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. HOI with RCE - Seller-07/23/2025 <br> Open-Hazard Insurance Policy Partially Provided Insurance Quote was provided, Required updated Hazard policy with policy number, Term and Mortgage clause. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. HOI with RCE - Seller-07/23/2025<br>| Resolved-Updated Hazard policy with policy number, Term and Mortgage clause Provided. - Due Diligence Vendor-07/24/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/24/2025 |  |  | Property Insurance Policy.pdf<br> RCE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840856 | xxxxxx | D A | Closed | xxxxxx | 2025-07-16 22:14 | 2025-07-24 06:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Updated flood policy with policy number, Term and Mortgage clause provided. - Due Diligence Vendor-07/24/2025 <br> Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Flood Insurance - Seller-07/23/2025 <br> Open-Missing Flood Insurance Policy Insurance Quote was provided, Required updated flood policy with policy no, Term and Mortgage clause. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Flood Insurance - Seller-07/23/2025<br>| Resolved-Updated flood policy with policy number, Term and Mortgage clause provided. - Due Diligence Vendor-07/24/2025 <br> Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-07/24/2025 |  |  | Flood Insurance Policy.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840856 | xxxxxx | D A | Closed | xxxxxx | 2025-07-16 23:19 | 2025-07-24 05:12 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-Property History Report provided. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Property History Report - Seller-07/23/2025 <br> Open-Short term renal income used for DSCR calculation, Per Matrix version 04/02/2025, required xxxxxx report, which is not in the file. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Property History Report - Seller-07/23/2025<br>| Resolved-Property History Report provided. - Due Diligence Vendor-07/24/2025 |  |  | Property History Report.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841810 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-16 04:08 | 2025-07-23 04:31 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/23/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version 02/12/2025 on page#32 a clear fraud report is required. The fraud report in file pg#574 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/23/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841810 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-16 03:53 | 2025-07-19 07:38 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/19/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-07/18/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Second Appraisal/ Valuation is Missing - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-07/18/2025 | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/19/2025 |  |  | xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843105 | xxxxxx | D A | Closed | xxxxxx | 2025-07-23 11:14 | 2025-07-24 05:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Resolved. Confirmation of Rate Lock received - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-Provide Confirmation of Rate Lock - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-Resolved. Confirmation of Rate Lock received - Due Diligence Vendor-07/24/2025 |  |  | xxxxxx Lock.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843105 | xxxxxx | D A | Closed | xxxxxx | 2025-07-20 23:13 | 2025-07-24 02:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Requested executed Final Business Purpose Affidavit Disclosure Provided Hence resolved. - Due Diligence Vendor-07/24/2025 <br> Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is Conventional.) - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-The 1008 Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide executed Final Business Purpose Affidavit. <br> - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-Requested executed Final Business Purpose Affidavit Disclosure Provided Hence resolved. - Due Diligence Vendor-07/24/2025 <br> Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is Conventional.) - Due Diligence Vendor-07/24/2025 |  |  | xxxxxx BPA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842499 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841156 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-22 03:20 | 2025-09-15 09:23 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-COC received and entered, xxxxxx passed. - Due Diligence Vendor-09/15/2025 <br> Resolved- - Due Diligence Vendor-07/25/2025 <br> Open- - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). "Points - Loan Discount Fee" has increased from Initial LE($1082) to Initial CD($5,632.20), Provide Revised LE's dated on or about xxxxxx and xxxxxx as well as related COC's and Disclosure Tracking Summary. - Due Diligence Vendor-07/22/2025 <br> Open- - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| Resolved-COC received and entered, xxxxxx passed. - Due Diligence Vendor-09/15/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CD items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841156 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-22 03:53 | 2025-09-15 09:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-09/15/2025 <br> Waived-Housing History Does Not Meet Guideline Requirements Exception page 409<br> Exception Reason: Consumer Pay History - Loan File 1 x 60 x 12, Guideline Requirement 0 x 60 x 12 - Due Diligence Vendor-09/15/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-09/15/2025 <br> Waived-Housing History Does Not Meet Guideline Requirements Exception page 409<br> Exception Reason: Consumer Pay History - Loan File 1 x 60 x 12, Guideline Requirement 0 x 60 x 12 - Due Diligence Vendor-09/15/2025 | DTI - Loan File 31.28%. GL Requirement Max 50%.<br> Residual Income - Loan File $30,349.29. GL Requirement Min $2500. <br> Housing History - Loan File 2nd Mtg 0 x30x36 months, 1st mtg 0x30x24 months.GL Requirement 1X30x12 months.<br> Job Stability - Loan File S/E since xxxxxx, GL Requirement Minimum S/E 2 yrs.<br> Investor Experience Loan File "2 yrs". | DTI - Loan File 31.28%. GL Requirement Max 50%.<br> Residual Income - Loan File $30,349.29. GL Requirement Min $2500. <br> Housing History - Loan File 2nd Mtg 0 x30x36 months, 1st mtg 0x30x24 months.GL Requirement 1X30x12 months.<br> Job Stability - Loan File S/E since xxxxxx, GL Requirement Minimum S/E 2 yrs.<br> Investor Experience Loan File "2 yrs". |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841156 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-24 06:40 | 2025-07-29 13:51 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA (3) | Resolved-PDI dated xxxxxx reflects free and clear of disaster related damage - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Open-Property potentially affected by FEMA Disaster ID xxxxxx. xxxxxx - Declared xxxxxx without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required. Appraisal is dated xxxxxx - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025<br>| Resolved-PDI dated xxxxxx reflects free and clear of disaster related damage - Due Diligence Vendor-07/29/2025 |  |  | xxxxxx PDI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841156 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-22 04:13 | 2025-07-29 03:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Provided Final 1003 shows Borrower 1 Final Signature Date as xxxxxx.Updated & Resolved. - Due Diligence Vendor-07/29/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Open-The Final 1003 is Incomplete Borrower 1 Final Signature Date of xxxxxx is greater than the Note or Notary Date of xxxxxx, Required Updated 1003 document . - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025<br>| Resolved-Provided Final 1003 shows Borrower 1 Final Signature Date as xxxxxx.Updated & Resolved. - Due Diligence Vendor-07/29/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-07/29/2025 |  |  | xxxxxx corrected 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841156 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-22 03:20 | 2025-09-15 09:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-An interior and exterior appraisal was completed for this property – see pg# 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 440 , and confirmation the appraisal was delivered to the borrower – see Pg#'s 382. The loan meets HPML guidelines. - Due Diligence Vendor-09/15/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 353 and the Final Closing disclosure on Pg#'s 224, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 378 . An interior and exterior appraisal was completed for this property – see pg# 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 440 , and confirmation the appraisal was delivered to the borrower – see Pg#'s 382. The loan meets HPML guidelines. - Due Diligence Vendor-07/25/2025 <br> Open- - Due Diligence Vendor-07/25/2025 <br> Open- - Due Diligence Vendor-07/25/2025 <br> Resolved-The loan's (9.281%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-07/22/2025 <br> Open- - Due Diligence Vendor-07/22/2025 |  | Resolved-An interior and exterior appraisal was completed for this property – see pg# 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 440 , and confirmation the appraisal was delivered to the borrower – see Pg#'s 382. The loan meets HPML guidelines. - Due Diligence Vendor-09/15/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 353 and the Final Closing disclosure on Pg#'s 224, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 378 . An interior and exterior appraisal was completed for this property – see pg# 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 440 , and confirmation the appraisal was delivered to the borrower – see Pg#'s 382. The loan meets HPML guidelines. - Due Diligence Vendor-07/25/2025 <br> Resolved-The loan's (9.281%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-07/22/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843066 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-31 16:12 | 2025-08-05 10:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/05/2025 |  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843066 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-31 16:08 | 2025-08-05 10:16 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Open-OFAC Check Not Completed and/or Clearedxxxxxx is on the OFAC list. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-08/05/2025 |  |  | xxxxxx OFAC.pdf<br> xxxxxx no match.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843066 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-25 05:12 | 2025-08-05 04:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Cd missing in file, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Open-TRID: Missing Closing Disclosure Initial CD is missing in file. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Resolved-Initial Cd missing in file, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-08/05/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843062 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-24 07:38 | 2025-07-30 08:58 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-received the intent to proceed. Resolved - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure. Required on Primary Residence. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-received the intent to proceed. Resolved - Due Diligence Vendor-07/30/2025 |  |  | xxxxxx ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843062 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-30 06:07 | 2025-07-30 08:56 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-. - Due Diligence Vendor-07/30/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 263 and the Final Closing disclosure on Pg#'s 172, reflects escrows. Rate lock date was entered correctly – see Pg#'s 282. An interior and exterior appraisal was completed for this property – see pg 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 321, and confirmation the appraisal was delivered to the borrower – see Pg#'s 163. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/30/2025 <br> Open-The loan's (10.145%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-07/30/2025 |  | Resolved-. - Due Diligence Vendor-07/30/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 263 and the Final Closing disclosure on Pg#'s 172, reflects escrows. Rate lock date was entered correctly – see Pg#'s 282. An interior and exterior appraisal was completed for this property – see pg 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 321, and confirmation the appraisal was delivered to the borrower – see Pg#'s 163. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/30/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843062 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-23 05:23 | 2025-07-30 06:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Initial CD Document Provided, Updated & Condition resolved. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing disclosure is missing from file and provide COC if fesses increased. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Requested Initial CD Document Provided, Updated & Condition resolved. - Due Diligence Vendor-07/30/2025 |  |  | xxxxxx CD Items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843062 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-23 04:25 | 2025-07-30 01:22 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Borrower Paying Rent In cash, as Borrower cannot Provide Cancelled Checks/VOR, we are adding 3 Months of Additional Reserves, Added Reserves & Condition resolved. - Due Diligence Vendor-07/30/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. See UW notes. Three months reserves added. - Seller-07/29/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower staying in current address as rent since 2 years and Rent proof is not provided. Hence updated as 0. Provide VOR to verify the housing history. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. See UW notes. Three months reserves added. - Seller-07/29/2025<br>| Resolved-Borrower Paying Rent In cash, as Borrower cannot Provide Cancelled Checks/VOR, we are adding 3 Months of Additional Reserves, Added Reserves & Condition resolved. - Due Diligence Vendor-07/30/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/30/2025 |  |  | xxxxxx UW notes.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843059 | xxxxxx | D A | Closed | xxxxxx | 2025-07-24 21:56 | 2025-08-04 08:57 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-the intent to proceed was provided - Resolved - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. - Seller-08/01/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-08/01/2025<br>| Resolved-the intent to proceed was provided - Resolved - Due Diligence Vendor-08/04/2025 |  |  | xxxxxx ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843059 | xxxxxx | D A | Closed | xxxxxx | 2025-07-25 00:51 | 2025-08-04 04:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. - Seller-08/01/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-08/01/2025<br>| Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-08/04/2025<br>|  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843059 | xxxxxx | D A | Closed | xxxxxx | 2025-07-24 20:50 | 2025-08-04 00:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Borrower 1 ITIN Information | Resolved- Borrower is Non-permanent resident, Provided xxxxxx Patriot act(DL) and EAD in file which is expired, provided is Usics Form I-797C, Notice of action an extension of 540, Changes made in system, Finding Resolved - Due Diligence Vendor-08/04/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. NPRA, not ITIN borrower. - Seller-08/01/2025 <br> Open-Borrower 1 ITIN information Missing. Please provide acceptable documentation. Missing Borrower 1 ITIN Information - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. NPRA, not ITIN borrower. - Seller-08/01/2025<br>| Resolved- Borrower is Non-permanent resident, Provided xxxxxx Patriot act(DL) and EAD in file which is expired, provided is Usics Form I-797C, Notice of action an extension of 540, Changes made in system, Finding Resolved - Due Diligence Vendor-08/04/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-08/04/2025 |  |  | xxxxxx ID.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843079 | xxxxxx | D A | Closed | xxxxxx | 2025-07-24 04:54 | 2025-07-29 08:23 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-the intent to proceed was provided. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Loan is purchase primary intent to proceed doc is required - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025<br>| Resolved-the intent to proceed was provided. - Due Diligence Vendor-07/29/2025 |  |  | xxxxxx ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843079 | xxxxxx | D A | Closed | xxxxxx | 2025-07-23 12:59 | 2025-07-29 03:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Open-TRID: Missing Closing Disclosure Initial CD is missing in the file. Provide Initial CD - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025<br>| Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-07/29/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843079 | xxxxxx | D A | Closed | xxxxxx | 2025-07-24 04:50 | 2025-07-29 02:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Condition raised for "Borrower 1 is staying for rent free for that required lox from the owner of the property" B1 is living with B2 who is B1's Spouse, B2 Owns Primary & is liable of making mortgage payments hence mentioned B1 in 1003 Final as living with "No primary housing expense" that doesn't mean B1 is living rent free & we need LOX here, No LOX needed, Condition resolved. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-xxxxxx guidelines do not require anything from the owner. - Seller-07/28/2025 <br> Open-Borrower 1 is staying for rent free for that required lox from the owner of the property - Due Diligence Vendor-07/24/2025 | Ready for Review-xxxxxx guidelines do not require anything from the owner. - Seller-07/28/2025 | Resolved-Condition raised for "Borrower 1 is staying for rent free for that required lox from the owner of the property" B1 is living with B2 who is B1's Spouse, B2 Owns Primary & is liable of making mortgage payments hence mentioned B1 in 1003 Final as living with "No primary housing expense" that doesn't mean B1 is living rent free & we need LOX here, No LOX needed, Condition resolved. - Due Diligence Vendor-07/29/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843080 | xxxxxx | D A | Closed | xxxxxx | 2025-07-24 17:48 | 2025-07-30 09:23 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-07/30/2025 <br> Ready for Review-We don't run anything on the numbers, just the names. xxxxxx report all show clear. - Seller-07/29/2025 <br> Open-OFAC Check Not Completed and/or Cleared Social Security numbers for the 3 borrowers that are permanent residence Aliens - Due Diligence Vendor-07/24/2025 | Ready for Review-We don't run anything on the numbers, just the names. xxxxxx report all show clear. - Seller-07/29/2025 | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-07/30/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843080 | xxxxxx | D A | Closed | xxxxxx | 2025-07-23 00:35 | 2025-07-30 01:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 4 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing Provided, Updated & Condition Resolved. - Due Diligence Vendor-07/30/2025 <br> Resolved-Borrower 4 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 4) - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Open-Borrower 4 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025 | Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing Provided, Updated & Condition Resolved. - Due Diligence Vendor-07/30/2025 <br> Resolved-Borrower 4 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 4) - Due Diligence Vendor-07/30/2025 |  |  | xxxxxx VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843080 | xxxxxx | D A | Closed | xxxxxx | 2025-07-23 09:01 | 2025-07-28 12:03 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to proceed was provided. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/25/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/25/2025<br>| Resolved-Intent to proceed was provided. - Due Diligence Vendor-07/28/2025 |  |  | xxxxxx CD and ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843080 | xxxxxx | D A | Closed | xxxxxx | 2025-07-24 17:03 | 2025-07-28 12:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/25/2025 <br> Open-Evidence of Rate Lock Missing duplicate - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/25/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/28/2025 |  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843080 | xxxxxx | D A | Closed | xxxxxx | 2025-07-24 18:18 | 2025-07-28 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/25/2025 <br> Open-1008 Document is Missing Missing the 1008 with the correct DTI. The 1008 in the file shows the DTI of 99.293, If this is the correct DTI, Need an Exception for the DTI higher than 50%. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-07/25/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/28/2025 |  |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843080 | xxxxxx | D A | Closed | xxxxxx | 2025-07-23 08:54 | 2025-07-28 00:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Cd is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/25/2025 <br> Open-TRID: Missing Closing Disclosure TRID: Missing Initial Closing Disclosure - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/25/2025<br>| Resolved-Initial Cd is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-07/28/2025 |  |  | xxxxxx CD and ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843080 | xxxxxx | D A | Closed | xxxxxx | 2025-07-28 00:10 | 2025-07-28 00:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.287%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 281 and the Final Closing disclosure on Pg 106 reflects escrows. Rate lock date was entered correctly – see Pg (Findings) An interior and exterior appraisal was completed for this property – see pg 44 to 49 the appraisal disclosure was provided to the borrower(s)- see Pg 305, and copy of the appraisal was given to the borrower – see Pg 32 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/28/2025 <br> Open- - Due Diligence Vendor-07/28/2025 |  | Resolved-The loan's (8.287%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 281 and the Final Closing disclosure on Pg 106 reflects escrows. Rate lock date was entered correctly – see Pg (Findings) An interior and exterior appraisal was completed for this property – see pg 44 to 49 the appraisal disclosure was provided to the borrower(s)- see Pg 305, and copy of the appraisal was given to the borrower – see Pg 32 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/28/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841591 | xxxxxx | D A | Closed | xxxxxx | 2025-07-31 09:59 | 2025-07-31 10:08 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Received the COC's to correct the increases - Due Diligence Vendor-07/31/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/31/2025 <br> Open- - Due Diligence Vendor-07/31/2025 |  | Resolved-Received the COC's to correct the increases - Due Diligence Vendor-07/31/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841591 | xxxxxx | D A | Closed | xxxxxx | 2025-07-24 00:03 | 2025-07-31 10:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD and the COC's - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-Received the initial CD and the COC's - Due Diligence Vendor-07/31/2025 |  |  | xxxxxx Tracking.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 841395 | xxxxxx | D A | Closed | xxxxxx | 2025-07-25 04:28 | 2025-07-30 05:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Initial CD Document Provided, Updated & Condition resolved. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Open-TRID: Missing Closing Disclosure TRID: Missing Initial Closing Disclosure - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Requested Initial CD Document Provided, Updated & Condition resolved. - Due Diligence Vendor-07/30/2025 |  |  | X CD items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842679 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-30 00:15 | 2025-09-09 14:32 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | xxxxxx - Rate Spread Home Loan (First Lien xxxxxx)(Conforming) | Waived-Per External Counsel, it is appropriate to waive to a Grade B - Due Diligence Vendor-09/09/2025 <br> Acknowledged-The loan's (9.016%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a xxxxxx unit dwelling is (6.67%).(xxxxxx Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per External Counsel, it is appropriate to waive to a Grade B - Due Diligence Vendor-07/30/2025 <br> Open- - Due Diligence Vendor-07/30/2025 |  | Waived-Per External Counsel, it is appropriate to waive to a Grade B - Due Diligence Vendor-09/09/2025 <br> Acknowledged-The loan's (9.016%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a xxxxxx unit dwelling is (6.67%).(xxxxxx Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per External Counsel, it is appropriate to waive to a Grade B - Due Diligence Vendor-07/30/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 842679 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-05 16:55 | 2025-08-06 09:25 | Waived | 2 - Non-Material C B | Credit | Assets | Asset General | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-08/06/2025 <br> Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-08/06/2025 <br> Open-Exception provided for Non-spousal funds with the LTV greater than 85%<br> Exception on page 413 - Due Diligence Vendor-08/05/2025 | Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-08/06/2025 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-08/06/2025 | 41.87% DTI - 50% DTI max<br> 10.81 months reserves - 6 months required<br> 723 FICO score - 700 FICO score minimum | 41.87% DTI - 50% DTI max<br> 10.81 months reserves - 6 months required<br> 723 FICO score - 700 FICO score minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 842679 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-30 00:15 | 2025-07-30 00:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.016%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 361 and the Final Closing disclosure on Pg# 148 reflects escrows. Rate lock date was entered correctly see Pg# 387 An interior and exterior appraisal was completed for this property – see Page# 25 the appraisal disclosure was provided to the borrower(s)- see Pg# 146, and copy of the appraisal was given to the borrower see Pg# 25 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/30/2025 <br> Open- - Due Diligence Vendor-07/30/2025 |  | Resolved-The loan's (9.016%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 361 and the Final Closing disclosure on Pg# 148 reflects escrows. Rate lock date was entered correctly see Pg# 387 An interior and exterior appraisal was completed for this property – see Page# 25 the appraisal disclosure was provided to the borrower(s)- see Pg# 146, and copy of the appraisal was given to the borrower see Pg# 25 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/30/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843092 | xxxxxx | D A | Closed | xxxxxx | 2025-08-15 05:38 | 2025-09-15 08:57 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-Borrower is Escrowing, escrow disclosures and loan information is on page 236 and the Final Closing disclosure on page 84 reflects escrows. Rate lock date was entered correctly – see page 257. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 301 and copy of the appraisal was given to the borrower – see page 130-131. The loan meets HPML guidelines. - Due Diligence Vendor-09/15/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 236 and the Final Closing disclosure on page 84 reflects escrows. Rate lock date was entered correctly – see page 257. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 301 and copy of the appraisal was given to the borrower – see page 130-131. The loan meets HPML guidelines. - Due Diligence Vendor-08/15/2025 <br> Open-The loan's (8.438%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 |  | Resolved-Borrower is Escrowing, escrow disclosures and loan information is on page 236 and the Final Closing disclosure on page 84 reflects escrows. Rate lock date was entered correctly – see page 257. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 301 and copy of the appraisal was given to the borrower – see page 130-131. The loan meets HPML guidelines. - Due Diligence Vendor-09/15/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 236 and the Final Closing disclosure on page 84 reflects escrows. Rate lock date was entered correctly – see page 257. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 301 and copy of the appraisal was given to the borrower – see page 130-131. The loan meets HPML guidelines. - Due Diligence Vendor-08/15/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843092 | xxxxxx | D A | Closed | xxxxxx | 2025-08-15 05:38 | 2025-09-15 08:57 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 301 and copy of the appraisal was given to the borrower – see page 130-131. The loan meets HPML guidelines. - Due Diligence Vendor-09/15/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 236 and the Final Closing disclosure on page 84 reflects escrows. Rate lock date was entered correctly – see page 257. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 301 and copy of the appraisal was given to the borrower – see page 130-131. The loan meets HPML guidelines. - Due Diligence Vendor-08/15/2025 <br> Open-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.438%) equals or exceeds the xxxxxx HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.67%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 |  | Resolved-An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 301 and copy of the appraisal was given to the borrower – see page 130-131. The loan meets HPML guidelines. - Due Diligence Vendor-09/15/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 236 and the Final Closing disclosure on page 84 reflects escrows. Rate lock date was entered correctly – see page 257. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 301 and copy of the appraisal was given to the borrower – see page 130-131. The loan meets HPML guidelines. - Due Diligence Vendor-08/15/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843092 | xxxxxx | D A | Closed | xxxxxx | 2025-08-15 05:38 | 2025-08-20 09:38 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-PCCD with $5.48 tolerance cure received - Due Diligence Vendor-08/20/2025 <br> Resolved- - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Attached cure. - Seller-08/19/2025 <br> Open-Provide COC for the increase of the Credit Report Fee from $90 to $95.48 - Due Diligence Vendor-08/15/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. Attached cure. - Seller-08/19/2025<br>| Resolved-PCCD with $5.48 tolerance cure received - Due Diligence Vendor-08/20/2025 |  |  | xxxxxx Check.pdf<br> LOX.pdf<br> FedEx.pdf<br> PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843092 | xxxxxx | D A | Closed | xxxxxx | 2025-08-13 07:17 | 2025-08-15 05:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Revised LE, Initial CD, Revised CD's, related COC and Disclosure Tracking Summary received. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Resolved. Revised LE, Initial CD, Revised CD's, related COC and Disclosure Tracking Summary received. - Due Diligence Vendor-08/15/2025 |  |  | xxxxxx CD ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843092 | xxxxxx | D A | Closed | xxxxxx | 2025-08-13 07:16 | 2025-08-15 05:08 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-The 1008 document is missing from the loan file. 1008 is present; however, as per the appraisal, the appraised value is xxxxxx. Provide an updated 1008 with correct appraised value - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-08/14/2025 |  |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843092 | xxxxxx | D A | Closed | xxxxxx | 2025-08-08 00:24 | 2025-08-14 09:49 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-The intent to proceed was provided. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Disclosure - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-The intent to proceed was provided. - Due Diligence Vendor-08/14/2025 |  |  | xxxxxx CD ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843098 | xxxxxx | A | Closed | xxxxxx | 2025-07-30 01:40 | 2025-08-05 15:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (10.079%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 268 and the Final Closing disclosure on Pg# 88 reflects escrows. Rate lock date was entered correctly see Pg.'s 292 An interior and exterior appraisal was completed for this property – see pg. 24 the appraisal disclosure was provided to the borrower(s)- see Pg#'24 and copy of the appraisal was given to the borrower see Pg# 324 for the copy of the disclosure, ECOA disclosure page no #352. The loan meets HPML guidelines." <br> - Due Diligence Vendor-07/30/2025 <br> Open- - Due Diligence Vendor-07/30/2025 |  | Resolved-The loan's (10.079%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 268 and the Final Closing disclosure on Pg# 88 reflects escrows. Rate lock date was entered correctly see Pg.'s 292 An interior and exterior appraisal was completed for this property – see pg. 24 the appraisal disclosure was provided to the borrower(s)- see Pg#'24 and copy of the appraisal was given to the borrower see Pg# 324 for the copy of the disclosure, ECOA disclosure page no #352. The loan meets HPML guidelines." <br> - Due Diligence Vendor-07/30/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843082 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842831 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-08 03:55 | 2025-09-19 12:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-09/19/2025 <br> Waived-Borrower resides in the United States, has a US based business, and all funds from the transaction came from US Banks. - Due Diligence Vendor-09/19/2025 <br> Open-Borrower Type ineligible per program guidelines. Exception on page 543-544 fo Both borrowers from OFAC sanctioned country - xxxxxx and LTV > 85% and Payment shock exceed 2.5X current housing expense - Due Diligence Vendor-08/08/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-09/19/2025 <br> Waived-Borrower resides in the United States, has a US based business, and all funds from the transaction came from US Banks. - Due Diligence Vendor-09/19/2025 |  | DTI - files has 8.231%, Max per Guideline is 50%.<br> Reserves - File has 65 Months, Min per guideline is 6 months.<br> .<br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 842831 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-08 02:29 | 2025-08-14 11:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-the COC was provided - Due Diligence Vendor-08/14/2025 <br>Open-Appraisal fee increased from initial LE $810 to final CD $900, But there is no COC in the file - Due Diligence Vendor-08/08/2025 |  | Resolved-the COC was provided - Due Diligence Vendor-08/14/2025<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842831 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-08 02:26 | 2025-08-14 11:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-the initial closing disclosure was provided - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in the file - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-the initial closing disclosure was provided - Due Diligence Vendor-08/14/2025<br>|  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842831 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-08 02:26 | 2025-08-14 10:46 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-the intent to proceed was provided. - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-the intent to proceed was provided. - Due Diligence Vendor-08/14/2025<br>|  |  | xxxxxx ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842831 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-08 04:07 | 2025-08-14 10:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-received a new 1003 showing the correction - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025 <br>Open-The Final 1003 is Incomplete As per ID both borrowers are Non-permanent resident alien but 1003 reflects permanent alien. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-received a new 1003 showing the correction - Due Diligence Vendor-08/14/2025<br>|  |  | xxxxxx 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845235 | xxxxxx | D A | Closed | xxxxxx | 2025-07-31 00:11 | 2025-08-07 03:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Initial CD Provided, Updated & Condition resolved.<br> - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. - Seller-08/06/2025 <br> Open-TRID: Missing Closing Disclosure Initial CD is missing in file, Hence Unable to Run xxxxxx, Need Initial CD - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Resolved-Requested Initial CD Provided, Updated & Condition resolved.<br> - Due Diligence Vendor-08/07/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845235 | xxxxxx | D A | Closed | xxxxxx | 2025-08-07 03:28 | 2025-08-07 03:32 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 238 and the Final Closing disclosure on Pg#'s 111, reflects escrows. Rate lock date was entered correctly – see Pg#'s 253. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 287, and confirmation the appraisal was delivered to the borrower – see Pg#'s 144. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/07/2025 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 238 and the Final Closing disclosure on Pg#'s 111, reflects escrows. Rate lock date was entered correctly – see Pg#'s 253. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 287, and confirmation the appraisal was delivered to the borrower – see Pg#'s 144. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/07/2025 <br> Open-The loan's (9.634%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-08/07/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 238 and the Final Closing disclosure on Pg#'s 111, reflects escrows. Rate lock date was entered correctly – see Pg#'s 253. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 287, and confirmation the appraisal was delivered to the borrower – see Pg#'s 144. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/07/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843086 | xxxxxx | D A | Closed | xxxxxx | 2025-08-06 04:30 | 2025-08-06 04:58 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 201 and the Final Closing disclosure on Pg#'s 98, reflects escrows. Rate lock date was entered correctly – see Pg#'s 212. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 287, and confirmation the appraisal was delivered to the borrower – see Pg#'s 79. The loan meets HPML guidelines, - Due Diligence Vendor-08/06/2025 <br> Open- - Due Diligence Vendor-08/06/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 201 and the Final Closing disclosure on Pg#'s 98, reflects escrows. Rate lock date was entered correctly – see Pg#'s 212. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 287, and confirmation the appraisal was delivered to the borrower – see Pg#'s 79. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/06/2025 <br> Open-The loan's (9.089%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-08/06/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 201 and the Final Closing disclosure on Pg#'s 98, reflects escrows. Rate lock date was entered correctly – see Pg#'s 212. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 287, and confirmation the appraisal was delivered to the borrower – see Pg#'s 79. The loan meets HPML guidelines, - Due Diligence Vendor-08/06/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 201 and the Final Closing disclosure on Pg#'s 98, reflects escrows. Rate lock date was entered correctly – see Pg#'s 212. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 287, and confirmation the appraisal was delivered to the borrower – see Pg#'s 79. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/06/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843086 | xxxxxx | D A | Closed | xxxxxx | 2025-07-30 00:41 | 2025-08-06 04:51 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Resolved. Intent to Proceed received - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025<br>| Resolved-Resolved. Intent to Proceed received - Due Diligence Vendor-08/06/2025 |  |  | xxxxxx ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843086 | xxxxxx | D A | Closed | xxxxxx | 2025-07-30 00:41 | 2025-08-06 04:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Revised LE, Initial CD, Revised CD, COC's and Disclosure Tracking Summary received. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025<br>| Resolved-Resolved. Revised LE, Initial CD, Revised CD, COC's and Disclosure Tracking Summary received. - Due Diligence Vendor-08/06/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843085 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-05 04:17 | 2025-08-07 15:59 | Waived | 2 - Non-Material C B | Compliance | Broker:LimitFees | xxxxxx - Max Broker Fees (RLBSA) | Waived-Waived per external counsel - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. The Broker Fee and Processing Fee were not paid to the lender. Disbursement instructions attached. - Seller-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open-Per State xxxxxx Broker Fees exceeds 2% of the loan amount The xxxxxx Residential Lending, Brokerage, and Servicing Act limits the brokerage commission to 2% of the loan amount - Due Diligence Vendor-08/05/2025 <br> Open-The total of all fees paid by the borrower to the broker ($6,984.41) exceeds 2% of the loan amount ($4,656.30). The xxxxxx Residential Lending, Brokerage, and Servicing Act limits the brokerage commission to 2% of the loan amount. Brokerage commissions include all fees paid to parties for services performed in the origination and placement of mortgage loans with third party lenders, whether the loans are closed directly in the name of the lender or in the name of another party with the intention to sell and transfer the loan; provided such sale or transfer is completed within one year from closing. (xxxxxx. Code Ann. 47-14-113(c); xxxxxx ADC 0180-17-.07(2)) - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. The Broker Fee and Processing Fee were not paid to the lender. Disbursement instructions attached. - Seller-08/05/2025 | Waived-Waived per external counsel due to no Assignee liability - Due Diligence Vendor-08/07/2025 |  |  | Final CD & Disbursement Instructions.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 843085 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-29 00:03 | 2025-08-05 09:16 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Received the intent to proceed - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed is missing in file, as loan type is primary purchase we need intend to proceed doc. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025 | Resolved-Received the intent to proceed - Due Diligence Vendor-08/05/2025 |  |  | xxxxxx ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843085 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-28 22:58 | 2025-08-05 04:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Ready for Review-Borrower Income Qualifies as Wage earner and verified from Wvoe and tax returns, No pay stubs Required, Hence Finding Resolved - Due Diligence Vendor-08/05/2025 <br> Ready for Review-WVOE and tax returns utilized. - Seller-08/04/2025 <br> Open-Borrower 1 Paystubs Missing Borrower Paystubs Missing in file, we need Paystubs. - Due Diligence Vendor-07/29/2025 | Ready for Review-WVOE and tax returns utilized. - Seller-08/04/2025 |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843085 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-28 22:58 | 2025-08-05 04:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower Income Qualifies as Wage earner and verified from Wvoe and tax returns, No W2 Required, Hence Finding Resolved - Due Diligence Vendor-08/05/2025 <br> Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-08/05/2025 <br> Ready for Review-WVOE and tax returns utilized. - Seller-08/04/2025 <br> Open-Borrower 1 W2/1099 Missing Borrower W2 of 2024 is missing in file, we need W2 of 2024. - Due Diligence Vendor-07/29/2025 | Ready for Review-WVOE and tax returns utilized. - Seller-08/04/2025 | Resolved-Borrower Income Qualifies as Wage earner and verified from Wvoe and tax returns, No W2 Required, Hence Finding Resolved - Due Diligence Vendor-08/05/2025 <br> Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-08/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843085 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-29 00:04 | 2025-08-05 04:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Cd missing in file, provided the same, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing in file, to run the compliance we need initial CD. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Resolved-Initial Cd missing in file, provided the same, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-08/05/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843085 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-05 04:17 | 2025-08-05 09:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-resolved - Due Diligence Vendor-08/05/2025 <br> Resolved-The loan's (9.813%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 154 and the Final Closing disclosure on Pg 72 reflects escrows. Rate lock date was entered correctly – see Pg 173 An interior and exterior appraisal was completed for this property – see pg 29 to 35 the appraisal disclosure was provided to the borrower(s)- see Pg 172, and copy of the appraisal was given to the borrower – see Pg 17 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 |  | Resolved-resolved - Due Diligence Vendor-08/05/2025 <br> Resolved-The loan's (9.813%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 154 and the Final Closing disclosure on Pg 72 reflects escrows. Rate lock date was entered correctly – see Pg 173 An interior and exterior appraisal was completed for this property – see pg 29 to 35 the appraisal disclosure was provided to the borrower(s)- see Pg 172, and copy of the appraisal was given to the borrower – see Pg 17 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-08/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843093 | xxxxxx | D A | Closed | xxxxxx | 2025-08-04 12:16 | 2025-08-15 06:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Revised LE, Initial CD, Revised CD, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Resolved. Revised LE, Initial CD, Revised CD, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-08/15/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843093 | xxxxxx | D A | Closed | xxxxxx | 2025-08-04 11:38 | 2025-08-15 05:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Resolved. Confirmation of Rate Lock received - Due Diligence Vendor-08/15/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-Provide Confirmation of Rate Lock - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Resolved. Confirmation of Rate Lock received - Due Diligence Vendor-08/15/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/15/2025 |  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843093 | xxxxxx | D A | Closed | xxxxxx | 2025-08-15 06:21 | 2025-08-15 06:27 | Resolved | 1 - Information A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Resolved. Updated Initial Closing Disclosure Receipt Date to xxxxxx - Due Diligence Vendor-08/15/2025 <br> Resolved-Resolved - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 |  | Resolved-Resolved. Updated Initial Closing Disclosure Receipt Date to xxxxxx - Due Diligence Vendor-08/15/2025 <br> Resolved-Resolved - Due Diligence Vendor-08/15/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843087 | xxxxxx | A | Closed | xxxxxx | 2025-07-29 03:35 | 2025-07-29 03:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (10.493%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 437 and the Final Closing disclosure on Pg# 205 reflects escrows. Rate lock date was entered correctly see Pg.'s 483 An interior and exterior appraisal was completed for this property – see pg. 34 the appraisal disclosure was provided to the borrower(s)- see Pg#'34 and copy of the appraisal was given to the borrower see Pg# 34 for the copy of the disclosure, ECOA disclosure page no #469. The loan meets HPML guidelines." <br> - Due Diligence Vendor-07/29/2025 <br> Open- - Due Diligence Vendor-07/29/2025 |  | Resolved-The loan's (10.493%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 437 and the Final Closing disclosure on Pg# 205 reflects escrows. Rate lock date was entered correctly see Pg.'s 483 An interior and exterior appraisal was completed for this property – see pg. 34 the appraisal disclosure was provided to the borrower(s)- see Pg#'34 and copy of the appraisal was given to the borrower see Pg# 34 for the copy of the disclosure, ECOA disclosure page no #469. The loan meets HPML guidelines." <br> - Due Diligence Vendor-07/29/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843094 | xxxxxx | D A | Closed | xxxxxx | 2025-08-12 08:27 | 2025-08-19 07:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Initial CD, Revised CD's, COC's and Disclosure Tracking received. - Due Diligence Vendor-08/19/2025 <br> Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Resolved. Initial CD, Revised CD's, COC's and Disclosure Tracking received. - Due Diligence Vendor-08/19/2025 <br> Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-08/19/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 843094 | xxxxxx | D A | Closed | xxxxxx | 2025-08-13 13:21 | 2025-08-19 07:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Resolved. Confirmation of Rate Lock received - Due Diligence Vendor-08/19/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Resolved. Confirmation of Rate Lock received - Due Diligence Vendor-08/19/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/19/2025 |  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 843582 | xxxxxx | D A | Closed | xxxxxx | 2025-08-07 11:13 | 2025-08-08 06:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Resolved. June 2024 Bank Statement received - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/07/2025 <br> Open-Borrower 1 Business Bank Statements Missing Provide Bank Statement for June 2024 used in income calculation on Lender Worksheet pages 278-280, 337-339 - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-Resolved. June 2024 Bank Statement received - Due Diligence Vendor-08/08/2025 |  |  | June stmt.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843582 | xxxxxx | D A | Closed | xxxxxx | 2025-08-04 07:23 | 2025-08-08 05:58 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Resolved. Intent to Proceed Disclosure received - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/07/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Disclosure - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-Resolved. Intent to Proceed Disclosure received - Due Diligence Vendor-08/08/2025 |  |  | xxxxxx CD ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843582 | xxxxxx | D A | Closed | xxxxxx | 2025-08-04 07:20 | 2025-08-08 04:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested initial CD Provided, Updated & Condition resolved. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/07/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-Requested initial CD Provided, Updated & Condition resolved. - Due Diligence Vendor-08/08/2025 |  |  | xxxxxx CD ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843582 | xxxxxx | D A | Closed | xxxxxx | 2025-08-04 04:18 | 2025-08-08 01:34 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested Updated Title Provided with updated coverage amount that covers loan amount, updated into system & condition resolved. - Due Diligence Vendor-08/08/2025 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/07/2025 <br> Open-Title Coverage Amount of xxxxxx is Less than Loan Amount Provide updated Title Ins with updated Title Coverage iao xxxxxx - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-Requested Updated Title Provided with updated coverage amount that covers loan amount, updated into system & condition resolved. - Due Diligence Vendor-08/08/2025 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/08/2025 |  |  | xxxxxx Title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843090 | xxxxxx | D A | Closed | xxxxxx | 2025-08-20 10:00 | 2025-08-20 10:13 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _305___ and the Final Closing disclosure on Pg#'s _135___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _325____ An interior and exterior appraisal was completed for this property – see pg _21___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_383__ , and copy of the appraisal was given to the borrower – see Pg#'s _98____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/20/2025 <br> Open-The loan's (8.7%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-08/20/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _305___ and the Final Closing disclosure on Pg#'s _135___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _325____ An interior and exterior appraisal was completed for this property – see pg _21___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_383__ , and copy of the appraisal was given to the borrower – see Pg#'s _98____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/20/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843090 | xxxxxx | D A | Closed | xxxxxx | 2025-08-15 12:18 | 2025-08-20 10:04 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Received the intent to proceed - Due Diligence Vendor-08/20/2025 <br> Ready for Review-See CD condition. - Seller-08/20/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed is missing in file Required on Primary Residence. - Due Diligence Vendor-08/15/2025 | Ready for Review-See CD condition. - Seller-08/20/2025<br>| Resolved-Received the intent to proceed - Due Diligence Vendor-08/20/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843090 | xxxxxx | D A | Closed | xxxxxx | 2025-08-15 12:12 | 2025-08-20 10:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD along with all COC's - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Seller-08/20/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. - Seller-08/20/2025<br>| Resolved-Received the initial CD along with all COC's - Due Diligence Vendor-08/20/2025<br>|  |  | xxxxxx CD ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843830 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 844227 | xxxxxx | C A | Closed | xxxxxx | 2025-08-04 08:08 | 2025-08-07 09:10 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/07/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The xxxxxx xxxxxx Summary document shows a total of 8 High alerts, only 7 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/07/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-08/07/2025<br>|  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844055 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-04 23:27 | 2025-08-08 03:27 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-1003/1008 with updated income uploaded, DTI matches the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Updated 1003/1008 for income - Seller-08/07/2025 <br> Open-Audited DTI is 42.80 and lender DTi is 37.60. The difference is 5.2.<br>This is because lender considered qualifying income as $14,852.98 whereas our calculated income is $13,049.76 as lender did not consider most recent bank statement of 07/16/2025 available on page # 108. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Updated 1003/1008 for income - Seller-08/07/2025<br>| Resolved-1003/1008 with updated income uploaded, DTI matches the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/08/2025<br>|  |  | 1003.1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844055 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-04 23:07 | 2025-08-06 05:44 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor (LCA) SSR uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-08/05/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 The loan requires a secondary valuation or a UCDP report with a 2.5 or less from CU and/or LCA.<br> - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-08/05/2025 | Resolved-Loan Collateral Advisor (LCA) SSR uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/06/2025 |  |  | xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840132 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-13 09:44 | 2025-08-18 11:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-The client agree to waive with the following compensating factors - Due Diligence Vendor-08/18/2025 <br> Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-08/18/2025 <br> Open-We have Exception in file on page #558 for "Audited Loan Amount of xxxxxx is less than the Guideline required loan amount $250,000", Recommends waiving as we have sufficient comp factors. - Due Diligence Vendor-08/13/2025 | Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-08/18/2025 | Waived-The client agree to waive with the following compensating factors - Due Diligence Vendor-08/18/2025 | DTI is 31.46%. Maximum allowed per guidelines is 50%.<br> LTV is 62.53%. Maximum allowed per guidelines is 75%.<br> Residual Income is $$7,097.19. Minimum Residual Income required per guidelines is $3000.  | DTI is 31.46%. Maximum allowed per guidelines is 50%.<br> LTV is 62.53%. Maximum allowed per guidelines is 75%.<br> Residual Income is $$7,097.19. Minimum Residual Income required per guidelines is $3000.  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 840132 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-13 10:27 | 2025-08-13 10:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (10.478%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 362 and the Final Closing disclosure on Pg#'s 209, reflects escrows. Rate lock date was entered correctly – see Pg#'s 387. An interior and exterior appraisal was completed for this property – see pg 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 493, and confirmation the appraisal was delivered to the borrower – see Pg#'s 116. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 |  | Resolved-The loan's (10.478%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 362 and the Final Closing disclosure on Pg#'s 209, reflects escrows. Rate lock date was entered correctly – see Pg#'s 387. An interior and exterior appraisal was completed for this property – see pg 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 493, and confirmation the appraisal was delivered to the borrower – see Pg#'s 116. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/13/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 843074 | xxxxxx | D A | Closed | xxxxxx | 2025-08-13 12:07 | 2025-08-18 11:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/17/2025 <br> Open-Evidence of Rate Lock Missing Provide the rate lock - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/17/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/18/2025 |  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843074 | xxxxxx | D A | Closed | xxxxxx | 2025-08-14 13:58 | 2025-08-14 14:03 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _448___ and the Final Closing disclosure on Pg#'s __179__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _Findings____ An interior and exterior appraisal was completed for this property – see pg __30__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_542__ , and copy of the appraisal was given to the borrower – see Pg#'s __216___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/14/2025 <br> Open-The loan's (8.271%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-08/14/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _448___ and the Final Closing disclosure on Pg#'s __179__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _Findings____ An interior and exterior appraisal was completed for this property – see pg __30__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_542__ , and copy of the appraisal was given to the borrower – see Pg#'s __216___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/14/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843074 | xxxxxx | D A | Closed | xxxxxx | 2025-08-08 10:56 | 2025-08-14 13:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure Is missing in file. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Received the initial CD - Due Diligence Vendor-08/14/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843074 | xxxxxx | D A | Closed | xxxxxx | 2025-08-08 10:27 | 2025-08-14 13:36 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Received the intent to proceed - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure. Required on Primary Residence. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Received the intent to proceed - Due Diligence Vendor-08/14/2025<br>|  |  | xxxxxx ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843099 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-13 03:53 | 2025-08-13 09:14 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-resolved - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 176 and the Final Closing disclosure on Pg#'s 86, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 199. An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 243-244, and confirmation the appraisal was delivered to the borrower – see Pg#'s 243-244. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/13/2025 <br> Open-The loan's (8.537%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-08/13/2025 |  | Resolved-resolved - Due Diligence Vendor-08/13/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 176 and the Final Closing disclosure on Pg#'s 86, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 199. An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 243-244, and confirmation the appraisal was delivered to the borrower – see Pg#'s 243-244. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/13/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843099 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-08 04:02 | 2025-08-13 09:09 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-received the intent to proceed - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to proceed disclosure is missing file, as loan type is primary purchase we need intent to proceed disclosure. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025<br>| Resolved-received the intent to proceed - Due Diligence Vendor-08/13/2025 |  |  | Intent to Proceed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843099 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-08 04:01 | 2025-08-13 09:08 | Waived | 2 - Non-Material C B | Credit | Credit | Residual income requirement not met. | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Open-Residual income under diligence final look is #1,430 but as per guideline version 05/13/2025 and xxxxxx page #1 minimum residual income is $1,500. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025<br>| Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-08/13/2025 | 60.79% LTV with 80% maximum<br> 23 months reserves - with 3 months reserves required (purchase) | 60.79% LTV with 80% maximum<br> 23 months reserves - with 3 months reserves required (purchase) | xxxxxx Exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 843099 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-08 03:59 | 2025-08-13 03:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial closing disclosure document provided. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing in file, to run the compliance we need initial CD. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025<br>| Resolved-Initial closing disclosure document provided. - Due Diligence Vendor-08/13/2025<br>|  |  | Closing Disc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844046 | xxxxxx | D A | Closed | xxxxxx | 2025-08-07 01:23 | 2025-08-12 04:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/12/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. Income Worksheet - Seller-08/11/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Per the final 1003 and 1008, B1 qualifying income is $30,489. Provide lender income calculation worksheet as it is missing from file. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Income Worksheet - Seller-08/11/2025<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/12/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-08/12/2025 |  |  | Income Calculation Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844046 | xxxxxx | D A | Closed | xxxxxx | 2025-08-07 01:43 | 2025-08-12 04:51 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved <br> - Due Diligence Vendor-08/12/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-08/11/2025 <br> Open-Qualifying FICO on the 1008 Page is '752' or blank, but the Qualifying FICO from the Credit Liabilities Page is '756' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per guideline 04/02/2025 page # 36, the borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score. Only B1 income is provided, hence their score of 756 should be used for qualification. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-08/11/2025<br>| Resolved-Updated 1008 Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved <br> - Due Diligence Vendor-08/12/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-08/12/2025 |  |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843089 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-14 00:12 | 2025-08-18 11:35 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Received the COC and updated LE and CD to show the increase in the fees. - Due Diligence Vendor-08/18/2025 <br> Resolved- - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Points - Loan Discount Fee, Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed There is no coc for xxxxxx Increased points - Loan Discount 981-.36.<br>- Due Diligence Vendor-08/14/2025 <br> Open- - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Received the COC and updated LE and CD to show the increase in the fees. - Due Diligence Vendor-08/18/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843089 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-13 23:45 | 2025-08-18 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/18/2025 |  |  | xxxxxx OFAC and Drive.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843089 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-15 11:08 | 2025-08-18 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Borrower 1 ITIN Information | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-Borrower 1 ITIN information Missing. Please provide acceptable documentation. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-08/18/2025<br>|  |  | ITIN letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843089 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-14 00:12 | 2025-08-18 11:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-An interior and exterior appraisal was completed for this property – see pg 46, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 454, and confirmation the appraisal was delivered to the borrower – see Pg#'s 294. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/15/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Resolved-The loan's (9.16%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) HPML-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 353 and the Final Closing disclosure on Pg#'s 234, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 377 . An interior and exterior appraisal was completed for this property – see pg 46, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 454, and confirmation the appraisal was delivered to the borrower – see Pg#'s 294. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/14/2025 <br> Open- - Due Diligence Vendor-08/14/2025 |  | Resolved-An interior and exterior appraisal was completed for this property – see pg 46, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 454, and confirmation the appraisal was delivered to the borrower – see Pg#'s 294. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/15/2025 <br> Resolved-The loan's (9.16%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) HPML-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 353 and the Final Closing disclosure on Pg#'s 234, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 377 . An interior and exterior appraisal was completed for this property – see pg 46, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 454, and confirmation the appraisal was delivered to the borrower – see Pg#'s 294. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/14/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845305 | xxxxxx | D A | Closed | xxxxxx | 2025-08-15 09:38 | 2025-08-19 05:50 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Resolved. Updated 1008 received - Due Diligence Vendor-08/19/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-The 1008 document is missing from the loan file. 1008 is present with appraised value of xxxxxx; however, the appraisal reflects an appraised value of xxxxxx. Provide updated 1008 with correct appraised value iao xxxxxx.<br> - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Resolved. Updated 1008 received - Due Diligence Vendor-08/19/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-08/19/2025 |  |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842467 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-15 03:47 | 2025-08-19 05:34 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Open- - Due Diligence Vendor-08/19/2025 <br> Resolved-The loan's (8.315%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # IEAD 310 and the Final Closing disclosure on Pg#'187 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#338 ', An interior and exterior appraisal was completed for this property – see pg# 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 371-372 and confirmation the appraisal was delivered to the borrower – see Pg#'s 224. The loan meets HPML guidelines, - Due Diligence Vendor-08/19/2025 <br> Open-The loan's (8.315%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # IEAD 310 and the Final Closing disclosure on Pg#'187 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#338 ', An interior and exterior appraisal was completed for this property – see pg# 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 371-372 and confirmation the appraisal was delivered to the borrower – see Pg#'s 224. The loan meets HPML guidelines, - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 |  | Resolved-The loan's (8.315%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # IEAD 310 and the Final Closing disclosure on Pg#'187 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#338 ', An interior and exterior appraisal was completed for this property – see pg# 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 371-372 and confirmation the appraisal was delivered to the borrower – see Pg#'s 224. The loan meets HPML guidelines, - Due Diligence Vendor-08/19/2025<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842467 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-15 12:13 | 2025-08-19 05:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Revised LE received - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-TRID: Missing Closing Disclosure Provide Revised LE dated on or about xxxxxx when Rate Lock was captured. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Resolved. Revised LE received - Due Diligence Vendor-08/19/2025<br>|  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842467 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-15 03:04 | 2025-08-19 03:32 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Requested Updated 1008 Provided with Updated FICO of 811 which is matching with Credit Report now, Updated & Condition Resolved. - Due Diligence Vendor-08/19/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. - Seller-08/18/2025 <br>Open-Qualifying FICO on the 1008 Page is '780' or blank, but the Qualifying FICO from the Credit Liabilities Page is '811' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is '780' or blank, but the Qualifying FICO from the Credit Liabilities Page is '811'. Provide updated 1008 with correct FICO Score - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Requested Updated 1008 Provided with Updated FICO of 811 which is matching with Credit Report now, Updated & Condition Resolved. - Due Diligence Vendor-08/19/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-08/19/2025<br>|  |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842467 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-15 12:05 | 2025-09-19 12:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-09/19/2025 <br> Waived-Loan does not conform to program guidelines Exception page 541.<br> Exception Reason OTHER - (see Overlay) LTV > 85% - payment shock exceeding 2.5X of current housing expense.<br> Borrower resides in the US, owns a US based business, and all funds for the transaction came from a US based bank. - Due Diligence Vendor-09/19/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-09/19/2025 <br> Waived-Loan does not conform to program guidelines Exception page 541.<br> Exception Reason OTHER - (see Overlay) LTV > 85% - payment shock exceeding 2.5X of current housing expense.<br> Borrower resides in the US, owns a US based business, and all funds for the transaction came from a US based bank. - Due Diligence Vendor-09/19/2025 |  | Credit Score - Loan File 780, GL Requirement Min 700<br> Residual Income- Loan File $3630.98, GL Requirement $2500<br> Borrower Contribution- Loan File 100%, GL Requirement 10%<br> Housing Payment History- Loan File 0x30x12 months, GL Requirements Min 1x30x12 months<br> Job Stability- Loan File B1 SE 7 yrs, GL Requirement SE 2 yrs |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 842467 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-15 12:02 | 2025-09-19 12:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-09/19/2025 <br> Waived-Borrower Type ineligible per program guidelines. Exception page 541.<br> Exception Reason OTHER - B2 from OFAC sanctioned country - xxxxxx.<br> Borrower resides in the United States, has a US based business, and all funds came from a US based bank. - Due Diligence Vendor-09/19/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-09/19/2025 <br> Waived-Borrower Type ineligible per program guidelines. Exception page 541.<br> Exception Reason OTHER - B2 from OFAC sanctioned country - xxxxxx.<br> Borrower resides in the United States, has a US based business, and all funds came from a US based bank. - Due Diligence Vendor-09/19/2025 |  | Credit Score - Loan File 780, GL Requirement Min 700<br> Residual Income- Loan File $3630.98, GL Requirement $2500<br> Borrower Contribution- Loan File 100%, GL Requirement 10%<br> Housing Payment History- Loan File 0x30x12 months, GL Requirements Min 1x30x12 months<br> Job Stability- Loan File B1 SE 7 yrs, GL Requirement SE 2 yrs |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843076 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 842941 | xxxxxx | D A | Closed | xxxxxx | 2025-08-13 07:24 | 2025-08-18 10:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-the initial CD and COC's were provided - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-TRID: Missing Closing Disclosure Initial CD is missing in the file .Provide Initial CD<br> - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-the initial CD and COC's were provided - Due Diligence Vendor-08/18/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842941 | xxxxxx | D A | Closed | xxxxxx | 2025-08-15 12:06 | 2025-08-18 10:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/18/2025 |  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843058 | xxxxxx | A | Closed | xxxxxx | 2025-08-14 00:20 | 2025-08-15 15:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.296%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 288 and the Final Closing disclosure on Pg#'s 148 reflects escrows. Rate lock date was entered correctly – see Pg#'s 301 An interior and exterior appraisal was completed for this property – see pg 43-67 , the appraisal disclosure was provided to the borrower(s)- see Pg#'376, and copy of the appraisal was given to the borrower – see Pg#'s 192 for the copy of the disclosure. The loan meets HPML guidelines<br>- Due Diligence Vendor-08/14/2025 <br> Open- - Due Diligence Vendor-08/14/2025 <br> Open- - Due Diligence Vendor-08/14/2025 |  | Resolved-The loan's (8.296%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 288 and the Final Closing disclosure on Pg#'s 148 reflects escrows. Rate lock date was entered correctly – see Pg#'s 301 An interior and exterior appraisal was completed for this property – see pg 43-67 , the appraisal disclosure was provided to the borrower(s)- see Pg#'376, and copy of the appraisal was given to the borrower – see Pg#'s 192 for the copy of the disclosure. The loan meets HPML guidelines<br>- Due Diligence Vendor-08/14/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843769 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-13 23:14 | 2025-08-19 06:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Updated Deed of Trust doc provided. Resolved - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-The Deed of Trust is Missing DOT Notary date page is missing in file - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Updated Deed of Trust doc provided. Resolved - Due Diligence Vendor-08/19/2025 |  |  | Full DOT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843769 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-14 05:37 | 2025-08-18 11:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Credit History - Derogatory Accounts Without Sufficient Explanation | Waived-The client elects to waive with the following compensating factors - Due Diligence Vendor-08/18/2025 <br> Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-08/15/2025 <br> Open-Made Exception on pg 466 for Guides require charge offs/ collections >$2500 be paid in full. xxxxxx charge off balance is $xxxxxx per email from<br> company. xxxxxx is on a payment plan with 11 payments left of $xxxxxx. Borrower has an additional collection for<br> $xxxxxx with xxxxxx. Full balance included as payment for DTI and sufficient funds to pay the account<br> have been verified. Borrower wants to continue on payment plan for xxxxxx open.<br> Accounts included in DTI: As per xxxxxx dated 07/07/2025, For Collections and charge-offs ≥ 24 months old with a maximum of $2,500 per occurrence, xxxxxx charge balance is $xxxxxx , as Borr is on a payment plan with 11 payments left of $xxxxxx. Borrower has an additional collection for<br> $xxxxxx with xxxxxx. which exceeds GL's , - Due Diligence Vendor-08/14/2025 | Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-08/15/2025 | Waived-The client elects to waive with the following compensating factors - Due Diligence Vendor-08/18/2025 | DTI is 37.68%. Maximum allowed per guidelines is 50%.<br> Residual Income is $30,228.84. Minimum Residual Income required per guidelines is $3500.  | DTI is 37.68%. Maximum allowed per guidelines is 50%.<br> Residual Income is $30,228.84. Minimum Residual Income required per guidelines is $3500.  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843769 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-14 01:15 | 2025-08-14 01:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.636%) APR equals or exceeds the Federal HPML threshold of (8.29%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.79%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 448 and the Final Closing disclosure on Pg 230 reflects escrows. Rate lock date was entered correctly – see Pg 481 An interior and exterior appraisal was completed for this property – see pg 32 to 38 the appraisal disclosure was provided to the borrower(s)- see Pg 479, and copy of the appraisal was given to the borrower – see Pg 24 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-08/14/2025 <br> Open- - Due Diligence Vendor-08/14/2025 |  | Resolved-The loan's (9.636%) APR equals or exceeds the Federal HPML threshold of (8.29%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.79%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 448 and the Final Closing disclosure on Pg 230 reflects escrows. Rate lock date was entered correctly – see Pg 481 An interior and exterior appraisal was completed for this property – see pg 32 to 38 the appraisal disclosure was provided to the borrower(s)- see Pg 479, and copy of the appraisal was given to the borrower – see Pg 24 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-08/14/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843769 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-14 01:15 | 2025-08-14 01:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.636%) equals or exceeds the xxxxxx HPML threshold of (8.29%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.79%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 448 and the Final Closing disclosure on Pg 230 reflects escrows. Rate lock date was entered correctly – see Pg 481 An interior and exterior appraisal was completed for this property – see pg 32 to 38 the appraisal disclosure was provided to the borrower(s)- see Pg 479, and copy of the appraisal was given to the borrower – see Pg 24 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-08/14/2025 <br> Open- - Due Diligence Vendor-08/14/2025 |  | Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.636%) equals or exceeds the xxxxxx HPML threshold of (8.29%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.79%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 448 and the Final Closing disclosure on Pg 230 reflects escrows. Rate lock date was entered correctly – see Pg 481 An interior and exterior appraisal was completed for this property – see pg 32 to 38 the appraisal disclosure was provided to the borrower(s)- see Pg 479, and copy of the appraisal was given to the borrower – see Pg 24 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-08/14/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843091 | xxxxxx | D A | Closed | xxxxxx | 2025-08-11 08:32 | 2025-08-14 14:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD and all COC's - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure Missing in the file. (Credit report fee Increased Initial Loan estimate to xxxxxx page # 317 $275 to Final Closing Disclosure xxxxxx- page # 116 amount of $299.30 Increased Required COC for the Same.)<br>- Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Received the initial CD and all COC's - Due Diligence Vendor-08/14/2025 |  |  | xxxxxx CD ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843091 | xxxxxx | D A | Closed | xxxxxx | 2025-08-11 08:28 | 2025-08-14 14:51 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Received the intent to proceed - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent Proceed document missing in the file. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Received the intent to proceed - Due Diligence Vendor-08/14/2025 |  |  | xxxxxx CD ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843091 | xxxxxx | D A | Closed | xxxxxx | 2025-08-14 14:47 | 2025-08-14 14:51 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _299___ and the Final Closing disclosure on Pg#'s _116___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _321____ An interior and exterior appraisal was completed for this property – see pg _30___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_367__ , and copy of the appraisal was given to the borrower – see Pg#'s __324___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/14/2025 <br> Open-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.05%) equals or exceeds the xxxxxx HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.67%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-08/14/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _299___ and the Final Closing disclosure on Pg#'s _116___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _321____ An interior and exterior appraisal was completed for this property – see pg _30___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_367__ , and copy of the appraisal was given to the borrower – see Pg#'s __324___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/14/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843091 | xxxxxx | D A | Closed | xxxxxx | 2025-08-14 14:47 | 2025-08-14 14:51 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _299___ and the Final Closing disclosure on Pg#'s _116___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _321____ An interior and exterior appraisal was completed for this property – see pg _30___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_367__ , and copy of the appraisal was given to the borrower – see Pg#'s __324___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/14/2025 <br> Open-The loan's (9.05%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-08/14/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _299___ and the Final Closing disclosure on Pg#'s _116___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _321____ An interior and exterior appraisal was completed for this property – see pg _30___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_367__ , and copy of the appraisal was given to the borrower – see Pg#'s __324___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/14/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845320 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-18 23:04 | 2025-08-27 09:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-08/27/2025 <br> Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-08/20/2025 <br> Open- Exception Available on 312.<br> Exception For Reserves <br> Min Subject Reserves 3 Months However Borrower having 2 Months reserves. Guidelines page on 1 - Due Diligence Vendor-08/19/2025 | Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-08/20/2025 | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-08/27/2025 | Credit Score is 749. Minimum required per guidelines is 700.<br> Residual Income is $7760.81. Minimum Residual Income required per guidelines is $2500. <br>| Credit Score is 749. Minimum required per guidelines is 700.<br> Residual Income is $7760.81. Minimum Residual Income required per guidelines is $2500. <br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 845320 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-18 23:02 | 2025-08-18 23:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.706%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # 260 IEAD and the Final Closing disclosure on Pg#'102s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#285', An interior and exterior appraisal was completed for this property – see pg# 39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 329 and confirmation the appraisal was delivered to the borrower – see Pg#'s 169. The loan meets HPML guidelines, - Due Diligence Vendor-08/19/2025 <br> Open- - Due Diligence Vendor-08/19/2025 |  | Resolved-The loan's (9.706%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # 260 IEAD and the Final Closing disclosure on Pg#'102s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#285', An interior and exterior appraisal was completed for this property – see pg# 39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 329 and confirmation the appraisal was delivered to the borrower – see Pg#'s 169. The loan meets HPML guidelines, - Due Diligence Vendor-08/19/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845319 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-21 06:00 | 2025-08-26 10:01 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-The client elects to waive with the following compensating factors - Due Diligence Vendor-08/26/2025 <br> Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-08/25/2025 <br> Open-Borrower has wage income as 2nd job but it is less than 2 years, as per guideline version 07/07/2025 page #40 we need 2 years of employment history but borrower has less than 2 years and we have UW exception for the same at page #551. - Due Diligence Vendor-08/21/2025 | Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-08/25/2025 | Waived-The client elects to waive with the following compensating factors - Due Diligence Vendor-08/26/2025 | Residual Income is $8393.26. Minimum Residual Income required per guidelines is $2500. <br> 758 FICO score - 700 FICO score minimum | Residual Income is $8393.26. Minimum Residual Income required per guidelines is $2500. <br> 758 FICO score - 700 FICO score minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 845240 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-19 06:31 | 2025-08-21 06:02 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Open- - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 548 and the Final Closing disclosure on page 333 reflects escrows. Rate lock date was entered correctly – see page 274. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 640 and copy of the appraisal was given to the borrower – see page 616. The loan meets HPML guidelines. - Due Diligence Vendor-08/19/2025 <br> Open- - Due Diligence Vendor-08/19/2025 <br> Open-The loan's (8.656%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-08/19/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 548 and the Final Closing disclosure on page 333 reflects escrows. Rate lock date was entered correctly – see page 274. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 640 and copy of the appraisal was given to the borrower – see page 616. The loan meets HPML guidelines. - Due Diligence Vendor-08/19/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845240 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-19 06:31 | 2025-08-21 06:01 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved. Revised LE xxxxxx and COC received - Due Diligence Vendor-08/21/2025 <br> Resolved- - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. - Seller-08/20/2025 <br> Open-Provide COC for the increase in Broker Fees from Revised LE dated xxxxxx iao xxxxxx to Initial CD iao xxxxxx - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/19/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. - Seller-08/20/2025<br>| Resolved-Resolved. Revised LE xxxxxx and COC received - Due Diligence Vendor-08/21/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845240 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-19 06:38 | 2025-08-21 05:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved. Revised LE dated xxxxxx received. See Insufficient COC Finding - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Shows resolved? - Seller-08/20/2025 <br> Counter- - Due Diligence Vendor-08/20/2025 <br> Resolved- Resolved. Revised LE's dated xxxxxx and COC's received - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Open-Provide Revised LE's dated xxxxxx and related COC's - Due Diligence Vendor-08/19/2025 | Ready for Review-Shows resolved? - Seller-08/20/2025 <br>Ready for Review-Document Uploaded. - Seller-08/19/2025<br>| Resolved-Resolved. Revised LE dated xxxxxx received. See Insufficient COC Finding - Due Diligence Vendor-08/21/2025 <br> Resolved- Resolved. Revised LE's dated xxxxxx and COC's received - Due Diligence Vendor-08/20/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845240 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-19 06:55 | 2025-08-21 05:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. - Seller-08/20/2025 <br> Counter-Reviewed and updated credit liabilities. Used updated credit report dated 8/6/2025 for Borrower 1 page 383 captured acct - xxxxxx iao $375 and acct - xxxxxx iao $201. Used updated credit report dated 8/6/2025 for Borrower 2 page 426- acct - xxxxxx captured $23 as min payment (5%= $22.60 rounded to $23) and acct xxxxxx captured $10 as min payment. There was a duplicate account captured for Borrower 2 acct xxxxxx iao $145/month which is now excluded and changes the DTI to $43.75%. All other monthly payments still reflects an $84.00 discrepancy. xxxxxx DTI 43.415% is still over the MAX DTI of 43%. Provide exception. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-You'd need to shows us where 44.32 comes from. We have 43.415. - Seller-08/19/2025 <br> Open-Audited DTI of 44.32% exceeds Guideline DTI of 43% Borrower 2 is FTHB- Max DTI is 43% without 12 month rental history. Provide Exception - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. - Seller-08/20/2025 <br>Ready for Review-You'd need to shows us where 44.32 comes from. We have 43.415. - Seller-08/19/2025<br>| Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-08/21/2025 | Residual Income- Loan File $14,249.57, GL Requirement $1500 + $150 per dependent \*2= $1800<br> Borrower Contribution- Loan File 20%, GL Requirement Min 10%<br> Housing Payment History-Loan File 0x30x42 months, GL Requirement 0x60x12<br> Job Stability-Loan File B1 2.31 years and B2 4.76 Years, GL Requirement 2 years | Residual Income- Loan File $14,249.57, GL Requirement $1500 + $150 per dependent \*2= $1800<br> Borrower Contribution- Loan File 20%, GL Requirement Min 10%<br> Housing Payment History-Loan File 0x30x42 months, GL Requirement 0x60x12<br> Job Stability-Loan File B1 2.31 years and B2 4.76 Years, GL Requirement 2 years | xxxxxx Exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 845240 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-19 06:49 | 2025-08-21 05:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. - Seller-08/20/2025 <br> Counter-Unable to locate the exception in the loan. Provide a copy of the exception. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Exception already in file for this. - Seller-08/19/2025 <br> Open-Borrower 2 lives rent free with spouse in primary residence. LOX page 562 - additional 3 months reserves required. Provide Exception - Due Diligence Vendor-08/19/2025 <br> Open-Audited Reserves of 4.5 month(s) are less than Guideline Required Reserves of 6 month(s) .<br> - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. - Seller-08/20/2025 <br>Ready for Review-Exception already in file for this. - Seller-08/19/2025<br>| Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-08/21/2025 | Residual Income- Loan File $14,249.57, GL Requirement $1500 + $150 per dependent \*2= $1800<br> Borrower Contribution- Loan File 20%, GL Requirement Min 10%<br> Housing Payment History-Loan File 0x30x42 months, GL Requirement 0x60x12<br> Job Stability-Loan File B1 2.31 years and B2 4.76 Years, GL Requirement 2 years | Residual Income- Loan File $14,249.57, GL Requirement $1500 + $150 per dependent \*2= $1800<br> Borrower Contribution- Loan File 20%, GL Requirement Min 10%<br> Housing Payment History-Loan File 0x30x42 months, GL Requirement 0x60x12<br> Job Stability-Loan File B1 2.31 years and B2 4.76 Years, GL Requirement 2 years | xxxxxx Exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 845240 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-19 06:31 | 2025-08-19 06:36 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Updated receipt date on Final CD and Initial CD - Due Diligence Vendor-08/19/2025 <br> Open-The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) . - Due Diligence Vendor-08/19/2025 |  | Resolved-Updated receipt date on Final CD and Initial CD - Due Diligence Vendor-08/19/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845240 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-15 17:30 | 2025-08-19 06:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Initial Closing Disclosure, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure, related COC and Disclosure Tracking Summary - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Resolved. Initial Closing Disclosure, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-08/19/2025 |  |  | Tracking.pdf<br> xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845240 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-18 10:19 | 2025-08-19 06:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Resolved. Bank Statement - Lender Worksheet / Income Calculator received - Due Diligence Vendor-08/19/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. You'll need to enlarge it to read. - Seller-08/18/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide legible copy of the lender's bank statement worksheet - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. You'll need to enlarge it to read. - Seller-08/18/2025<br>| Resolved-Resolved. Bank Statement - Lender Worksheet / Income Calculator received - Due Diligence Vendor-08/19/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-08/19/2025 |  |  | Income worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845240 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-18 10:19 | 2025-08-19 06:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Resolved. Borrower 2 Executed 4506-C executed at closing received - Due Diligence Vendor-08/19/2025 <br> Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-Borrower 2 Executed 4506-T Missing Provide 4506C for Borrower 2 that was signed at closing - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Resolved. Borrower 2 Executed 4506-C executed at closing received - Due Diligence Vendor-08/19/2025 <br> Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/19/2025 |  |  | B2 4506.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845367 | xxxxxx | D A | Closed | xxxxxx | 2025-08-21 15:04 | 2025-08-25 09:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. - Seller-08/22/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. - Seller-08/22/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/25/2025<br>|  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845367 | xxxxxx | D A | Closed | xxxxxx | 2025-08-25 03:26 | 2025-08-25 03:34 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 161 and the Final Closing disclosure on Pg#'s 76, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 69. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 201, and confirmation the appraisal was delivered to the borrower – see Pg#'s 65. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/25/2025 <br> Open- - Due Diligence Vendor-08/25/2025 <br> Open-The loan's (8.823%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-08/25/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 161 and the Final Closing disclosure on Pg#'s 76, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 69. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 201, and confirmation the appraisal was delivered to the borrower – see Pg#'s 65. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/25/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845367 | xxxxxx | D A | Closed | xxxxxx | 2025-08-20 22:46 | 2025-08-25 03:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. - Seller-08/22/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. - Seller-08/22/2025<br>| Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-08/25/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx Tracking.pdf<br> xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845367 | xxxxxx | D A | Closed | xxxxxx | 2025-08-25 03:26 | 2025-08-25 03:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved- - Due Diligence Vendor-08/25/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-08/25/2025 |  | Resolved- - Due Diligence Vendor-08/25/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845376 | xxxxxx | D A | Closed | xxxxxx | 2025-08-20 00:39 | 2025-08-21 09:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-received the initial CD and the needed COCs - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. - Seller-08/21/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. - Seller-08/21/2025<br>| Resolved-received the initial CD and the needed COCs - Due Diligence Vendor-08/21/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845376 | xxxxxx | D A | Closed | xxxxxx | 2025-08-21 09:51 | 2025-08-21 09:58 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _308___ and the Final Closing disclosure on Pg#'s __154__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __338___ An interior and exterior appraisal was completed for this property – see pg _18___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_395__ , and copy of the appraisal was given to the borrower – see Pg#'s __134___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open-The loan's (10.962%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _308___ and the Final Closing disclosure on Pg#'s __154__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __338___ An interior and exterior appraisal was completed for this property – see pg _18___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_395__ , and copy of the appraisal was given to the borrower – see Pg#'s __134___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/21/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845376 | xxxxxx | D A | Closed | xxxxxx | 2025-08-21 09:51 | 2025-08-21 09:54 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-the COC was provided - Due Diligence Vendor-08/21/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 |  | Resolved-the COC was provided - Due Diligence Vendor-08/21/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845331 | xxxxxx | D A B | Closed | xxxxxx | 2025-08-20 00:54 | 2025-08-26 02:53 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested Secondary Valuation (CU with score of 1) Provided, Updated & Condition resolved. - Due Diligence Vendor-08/26/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. - Seller-08/25/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Required Secondary Valuation for the subject property - xxxxxx or Desk review. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. - Seller-08/25/2025<br>| Resolved-Requested Secondary Valuation (CU with score of 1) Provided, Updated & Condition resolved. - Due Diligence Vendor-08/26/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/26/2025 |  |  | SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845331 | xxxxxx | D A B | Closed | xxxxxx | 2025-08-20 00:54 | 2025-08-26 02:53 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Primary Appraisal document provided. - Due Diligence Vendor-08/25/2025 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. - Seller-08/22/2025 <br> Open-Appraisal is Missing Required Primary value for 1073 Condominium Appraisal document. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. - Seller-08/22/2025<br>| Resolved-Primary Appraisal document provided. - Due Diligence Vendor-08/25/2025 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-08/25/2025 |  |  | Z Appraisal documents.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845331 | xxxxxx | D A B | Closed | xxxxxx | 2025-08-20 06:07 | 2025-08-26 02:51 | Resolved | 1 - Information B A | Credit | Doc Issue | Borrower Certification of Appraisal Delivery is Missing | Resolved-Requested Appraisal Delivery Confirmation Provided hence Condition Resolved. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. - Seller-08/25/2025 <br> Open-Appraisal Delivery Confirmation Missing in the file. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. - Seller-08/25/2025<br>| Resolved-Requested Appraisal Delivery Confirmation Provided hence Condition Resolved. - Due Diligence Vendor-08/26/2025 |  |  | Appr Delivery.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845331 | xxxxxx | D A B | Closed | xxxxxx | 2025-08-21 16:35 | 2025-08-25 09:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-received the revised LE dated xxxxxx - Due Diligence Vendor-08/25/2025 <br> Ready for Review-See 1003 cond. - Seller-08/22/2025 <br> Open-TRID: Missing Closing Disclosure Missing the initial closing disclosure, dated xxxxxx - Due Diligence Vendor-08/21/2025 | Ready for Review-See 1003 cond. - Seller-08/22/2025<br>| Resolved-received the revised LE dated xxxxxx - Due Diligence Vendor-08/25/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845331 | xxxxxx | D A B | Closed | xxxxxx | 2025-08-20 05:26 | 2025-08-25 09:34 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-An interior and exterior appraisal was completed for this property – see pg #39, the appraisal disclosure was provided to the borrower(s)- see Pg #'s and confirmation the appraisal was delivered to the borrower – see Pg #'s 388. The loan meets HPML guidelines - Due Diligence Vendor-09/15/2025 <br> Resolved- - Due Diligence Vendor-08/25/2025 <br> Open-The loan's (9.344%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # 317 IEAD and the Final Closing disclosure on Pg#'76 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#339', An interior and exterior appraisal was completed for this property – see pg# 39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s and confirmation the appraisal was delivered to the borrower – see Pg#'s 388. The loan Does'nt meets HPML guidelines, hence condition opened - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 |  | Resolved-An interior and exterior appraisal was completed for this property – see pg #39, the appraisal disclosure was provided to the borrower(s)- see Pg #'s and confirmation the appraisal was delivered to the borrower – see Pg #'s 388. The loan meets HPML guidelines - Due Diligence Vendor-09/15/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845331 | xxxxxx | D A B | Closed | xxxxxx | 2025-08-20 05:26 | 2025-08-25 09:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Open-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.344%) equals or exceeds the xxxxxx HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.75%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # 317 IEAD and the Final Closing disclosure on Pg#'76 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#339', An interior and exterior appraisal was completed for this property – see pg# 39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s and confirmation the appraisal was delivered to the borrower – see Pg#'s 388. The loan meets HPML guidelines - Due Diligence Vendor-09/15/2025 <br> Resolved-An interior and exterior appraisal was completed for this property – see pg# 39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s and confirmation the appraisal was delivered to the borrower – see Pg#'s 388. Loan meets HPML Guidelines. - Due Diligence Vendor-09/15/2025 <br> Resolved- - Due Diligence Vendor-08/25/2025 <br> Open- - Due Diligence Vendor-08/20/2025 |  | Resolved-An interior and exterior appraisal was completed for this property – see pg# 39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s and confirmation the appraisal was delivered to the borrower – see Pg#'s 388. Loan meets HPML Guidelines. - Due Diligence Vendor-09/15/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845331 | xxxxxx | D A B | Closed | xxxxxx | 2025-08-20 05:26 | 2025-08-25 09:20 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-the COC was uploaded to the file - Due Diligence Vendor-08/25/2025 <br> Resolved- - Due Diligence Vendor-08/25/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: HOA Certification Handling Fee, Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Condo Questionnaire and Condo review Fee Added (Initial Loan Estimate - to Initial Closing Disclosure - $322.95 and $275 . required COC or Lender credit for the Same. - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 |  | Resolved-the COC was uploaded to the file - Due Diligence Vendor-08/25/2025 <br> Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: HOA Certification Handling Fee, Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Condo Questionnaire and Condo review Fee Added (Initial Loan Estimate - to Initial Closing Disclosure - $322.95 and $275 . required COC or Lender credit for the Same. - Due Diligence Vendor-08/20/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845331 | xxxxxx | D A B | Closed | xxxxxx | 2025-08-19 23:10 | 2025-08-25 02:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved- Borrower 1 Initial 1003 provided. - Due Diligence Vendor-08/25/2025 <br> Resolved-The Initial 1003 is Present - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. - Seller-08/22/2025 <br> Open-The Initial 1003 is Missing Borrower 1 Initial 1003 Missing in the file. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. - Seller-08/22/2025<br>| Resolved- Borrower 1 Initial 1003 provided. - Due Diligence Vendor-08/25/2025 <br> Resolved-The Initial 1003 is Present - Due Diligence Vendor-08/25/2025 |  |  | Z Disc items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843061 | xxxxxx | C A | Closed | xxxxxx | 2025-08-20 22:56 | 2025-08-26 03:13 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Added additional 3 Months of Reserves for insufficient Housing History, Updated & Condition Resolved. - Due Diligence Vendor-08/26/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/26/2025 <br> Ready for Review-3 months reserves added in lieu of housing history. - Seller-08/25/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Unable to verify the primary housing History, we are able to verify the 6 months statement history. per guideline we need 12 months history . - Due Diligence Vendor-08/21/2025 | Ready for Review-3 months reserves added in lieu of housing history. - Seller-08/25/2025<br>| Resolved-Added additional 3 Months of Reserves for insufficient Housing History, Updated & Condition Resolved. - Due Diligence Vendor-08/26/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/26/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843061 | xxxxxx | C A | Closed | xxxxxx | 2025-08-20 23:46 | 2025-08-21 00:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.55%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s290 and the Final Closing disclosure on Pg#'s155 , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 312. An interior and exterior appraisal was completed for this property – see pg# 41-50, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 101, and confirmation the appraisal was delivered to the borrower – see Pg#'s 357. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 |  | Resolved-The loan's (8.55%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s290 and the Final Closing disclosure on Pg#'s155 , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 312. An interior and exterior appraisal was completed for this property – see pg# 41-50, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 101, and confirmation the appraisal was delivered to the borrower – see Pg#'s 357. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/21/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843162 | xxxxxx | D A | Closed | xxxxxx | 2025-08-27 12:20 | 2025-08-28 08:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Seller-08/27/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. - Seller-08/27/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/28/2025 |  |  | VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845373 | xxxxxx | D A | Closed | xxxxxx | 2025-08-21 02:19 | 2025-08-26 09:32 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Received the COC to corrected the condition - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. - Seller-08/25/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). There is no COC for Increased fee Transfer Taxes from Initial LE xxxxxx) to Revised CD (xxxxxx), Provide required COC. - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. - Seller-08/25/2025<br>| Resolved-Received the COC to corrected the condition - Due Diligence Vendor-08/26/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845373 | xxxxxx | D A | Closed | xxxxxx | 2025-08-22 16:11 | 2025-08-26 09:27 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. - Seller-08/25/2025 <br> Open-OFAC Check Not Completed and/or Cleared xxxxxx name comes up as possible match - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. - Seller-08/25/2025<br>| Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-08/26/2025 |  |  | xxxxxx OFAC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845373 | xxxxxx | D A | Closed | xxxxxx | 2025-08-22 16:27 | 2025-08-26 09:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. - Seller-08/25/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. - Seller-08/25/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/26/2025 |  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845373 | xxxxxx | D A | Closed | xxxxxx | 2025-08-21 01:17 | 2025-08-26 03:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Requested Flood Certificate Provided, Updated & Condition Resolved. - Due Diligence Vendor-08/26/2025 <br> Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. - Seller-08/25/2025 <br> Open-Missing Flood Certificate. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. - Seller-08/25/2025<br>| Resolved-Requested Flood Certificate Provided, Updated & Condition Resolved. - Due Diligence Vendor-08/26/2025 <br> Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/26/2025 |  |  | xxxxxx Flood.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845373 | xxxxxx | D A | Closed | xxxxxx | 2025-08-21 02:19 | 2025-08-26 09:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-. - Due Diligence Vendor-08/26/2025 <br> Resolved-The loan's (9.291%) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __374__ and the Final Closing disclosure on Pg#'s _188___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _178____ An interior and exterior appraisal was completed for this property – see pg 42-48____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_30-64__ , and copy of the appraisal was given to the borrower – see Pg#'s _30-64____ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 |  | Resolved-. - Due Diligence Vendor-08/26/2025 <br> Resolved-The loan's (9.291%) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __374__ and the Final Closing disclosure on Pg#'s _188___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _178____ An interior and exterior appraisal was completed for this property – see pg 42-48____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_30-64__ , and copy of the appraisal was given to the borrower – see Pg#'s _30-64____ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-08/21/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845324 | xxxxxx | D A | Closed | xxxxxx | 2025-08-22 00:58 | 2025-08-28 02:18 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Finding resolved as Hazard Insurance Effective Date of xxxxxx is matching with Final CD Disbursement date of xxxxxx. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-This is xxxxxx and that's how it's done. They end up disbursing usually within a day or two of settlement since they have to be on record with the county before they can disburse funds.<br>This is standard. Then the policy is fine since it was active at the time of disbursement.<br> - Seller-08/27/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Final Cd disbursement date of xxxxxx is after the note date of xxxxxx, - Due Diligence Vendor-08/22/2025 | Ready for Review-This is xxxxxx and that's how it's done. They end up disbursing usually within a day or two of settlement since they have to be on record with the county before they can disburse funds.<br>This is standard. Then the policy is fine since it was active at the time of disbursement.<br> - Seller-08/27/2025 | Resolved-Finding resolved as Hazard Insurance Effective Date of xxxxxx is matching with Final CD Disbursement date of xxxxxx. - Due Diligence Vendor-08/28/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845324 | xxxxxx | D A | Closed | xxxxxx | 2025-08-21 23:23 | 2025-08-28 02:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Taxes for xxxxxx state calculated by taking purchase price x 1.25.Tax amount now matching with Final CD. - Due Diligence Vendor-08/28/2025 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Taxes for purchases in xxxxxx calculated by taking purchase price x 1.25 since taxes are only updated when ownership changes hands. - Seller-08/27/2025 <br> Open-Missing Evidence of Property Tax Tax Value of xxxxxx from Final Cd does not matches with tax value of xxxxxx from provide tax cert in file, Need Updated tax cert - Due Diligence Vendor-08/22/2025 | Ready for Review-Taxes for purchases in xxxxxx calculated by taking purchase price x 1.25 since taxes are only updated when ownership changes hands. - Seller-08/27/2025 | Resolved-Taxes for xxxxxx state calculated by taking purchase price x 1.25.Tax amount now matching with Final CD. - Due Diligence Vendor-08/28/2025 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-08/28/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |

---

## Exhibit 99.24

**EXHIBIT 99.24**

**selene rating agency grades report**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 841710 | xxxxxx |  | xxxxxx D A B |
| 841704 | xxxxxx |  | xxxxxx D A |
| 841431 | xxxxxx |  | xxxxxx C A B |
| 841706 | xxxxxx |  | xxxxxx A |
| 841714 | xxxxxx |  | xxxxxx A C B |
| 841702 | xxxxxx |  | xxxxxx C D A |
| 841722 | xxxxxx |  | xxxxxx D A |
| 840124 | xxxxxx |  | xxxxxx A D |
| 841715 | xxxxxx |  | xxxxxx B A |
| 839387 | xxxxxx |  | xxxxxx A |
| 841430 | xxxxxx |  | xxxxxx A |
| 840107 | xxxxxx |  | xxxxxx C A B |
| 840885 | xxxxxx |  | xxxxxx D A |
| 840768 | xxxxxx |  | xxxxxx D A |
| 841411 | xxxxxx |  | xxxxxx D C B A |
| 841417 | xxxxxx |  | xxxxxx C A B |
| 841289 | xxxxxx |  | xxxxxx A |
| 840965 | xxxxxx |  | xxxxxx D A C |
| 843107 | xxxxxx |  | xxxxxx C D A B |
| 840125 | xxxxxx |  | xxxxxx C D A B |
| 841421 | xxxxxx |  | xxxxxx C D A B |
| 843100 | xxxxxx |  | xxxxxx A D |
| 843108 | xxxxxx |  | xxxxxx A |
| 841419 | xxxxxx |  | xxxxxx B A |
| 840082 | xxxxxx |  | xxxxxx A D |
| 841632 | xxxxxx |  | xxxxxx D A |
| 841664 | xxxxxx |  | xxxxxx C D A |
| 841423 | xxxxxx |  | xxxxxx C A B |
| 840108 | xxxxxx |  | xxxxxx A |
| 841811 | xxxxxx |  | xxxxxx D A |
| 840856 | xxxxxx |  | xxxxxx D A |
| 841810 | xxxxxx |  | xxxxxx C A D |
| 843105 | xxxxxx |  | xxxxxx D A |
| 842499 | xxxxxx |  | xxxxxx A |
| 841156 | xxxxxx |  | xxxxxx C D A B |
| 843066 | xxxxxx |  | xxxxxx C D A |
| 843062 | xxxxxx |  | xxxxxx C D A |
| 843059 | xxxxxx |  | xxxxxx D A |
| 843079 | xxxxxx |  | xxxxxx D A |
| 843080 | xxxxxx |  | xxxxxx D A |
| 841591 | xxxxxx |  | xxxxxx A D |
| 841395 | xxxxxx |  | xxxxxx A D |
| 842679 | xxxxxx |  | xxxxxx C B A |
| 843092 | xxxxxx |  | xxxxxx D A |
| 843098 | xxxxxx |  | xxxxxx A |
| 843082 | xxxxxx |  | xxxxxx A |
| 842831 | xxxxxx |  | xxxxxx C D A B |
| 845235 | xxxxxx |  | xxxxxx A D |
| 843086 | xxxxxx |  | xxxxxx A D |
| 843085 | xxxxxx |  | xxxxxx D A B |
| 843093 | xxxxxx |  | xxxxxx A D |
| 843087 | xxxxxx |  | xxxxxx A |
| 843094 | xxxxxx |  | xxxxxx A D |
| 843582 | xxxxxx |  | xxxxxx D A |
| 843090 | xxxxxx |  | xxxxxx A D |
| 843830 | xxxxxx |  | xxxxxx A |
| 844227 | xxxxxx |  | xxxxxx C A |
| 844055 | xxxxxx |  | xxxxxx C A D |
| 840132 | xxxxxx |  | xxxxxx C A B |
| 843074 | xxxxxx |  | xxxxxx A D |
| 843099 | xxxxxx |  | xxxxxx C D A B |
| 844046 | xxxxxx |  | xxxxxx D A |
| 843089 | xxxxxx |  | xxxxxx D C A |
| 845305 | xxxxxx |  | xxxxxx D A |
| 842467 | xxxxxx |  | xxxxxx C D A B |
| 843076 | xxxxxx |  | xxxxxx A |
| 842941 | xxxxxx |  | xxxxxx A D |
| 843058 | xxxxxx |  | xxxxxx A |
| 843769 | xxxxxx |  | xxxxxx C D A B |
| 843091 | xxxxxx |  | xxxxxx A D |
| 845320 | xxxxxx |  | xxxxxx C A B |
| 845319 | xxxxxx |  | xxxxxx C A B |
| 845240 | xxxxxx |  | xxxxxx D A B |
| 845367 | xxxxxx |  | xxxxxx A D |
| 845376 | xxxxxx |  | xxxxxx A D |
| 845331 | xxxxxx |  | xxxxxx B D A |
| 843061 | xxxxxx |  | xxxxxx C A |
| 843162 | xxxxxx |  | xxxxxx D A |
| 845373 | xxxxxx |  | xxxxxx D A |
| 845324 | xxxxxx |  | xxxxxx D A |

---

## Exhibit 99.25

**EXHIBIT 99.25**

**selene data compare report**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 840124 | xxxxxx |  | xxxxxx | Prepayment Penalty Total Term | notePage | 12 | 36 | Verified Prepayment Penalty term is 12 months per Prepayment Addendum page 16 and Prepayment Rider page 462 |
| 840125 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified subject property type is 2-4 units per Appraisal |
| 840856 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | DSCR file. |
| 841419 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type updated as per Appraisal Document "Two to Four Unit". |
| 841421 | xxxxxx |  | xxxxxx | Qualifying CLTV | propertyValuationPage | 73.32 | 75.00 | Qualifying CLTV Calculated as loan amount of $xxxxxx/$xxxxxx appraised value =73.32%. |
| 841421 | xxxxxx |  | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Final Qualifying Property Value is $xxxxxx per Appraisal page 29 |
| 841431 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Property is PUD attached, selection done as townhouse |
| 841431 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 04/08/2025 | version date is 05-13-2025, per recent lock date |
| 841591 | xxxxxx |  | xxxxxx | Monthly Property Tax Amount | titlePage | xxxxxx | xxxxxx | Total monthly taxes are xxxxxx |
| 841632 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note |
| 841632 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 24 Month Bank Statement | ALT DOC | Doctype updated per loan program & documentation. |
| 841702 | xxxxxx |  | xxxxxx | Monthly Property Tax Amount | titlePage | xxxxxx | xxxxxx | Monthly Property Tax Amount is $xxxxxx, consisting of County Tax & City Tax. The tape data includes only the County Tax. |
| 841702 | xxxxxx |  | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR. |
| 841702 | xxxxxx |  | xxxxxx | Cash to Close | finalCdDetailPage | 42964.62 | 42996.46 | Cash to Close $42,964.62 |
| 841704 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type is 2-4 unit, confirmed from appraisal report. |
| 841704 | xxxxxx |  | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR. |
| 841706 | xxxxxx |  | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Loan Type DSCR confirmed. |
| 841706 | xxxxxx |  | xxxxxx | Cash to Close | finalCdDetailPage | 558776.86 | 558517.38 | Cash to Close Verified from final CD. |
| 841706 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Full Doc | Verified Doc Type DSCR confirmed. |
| 841710 | xxxxxx |  | xxxxxx | Refinance Type | the1003Page | Limited Cash Out - <1% of Loan Amount or $2000 | Limited Cash Out - <2% of Loan Amount or $2000 | Refinance Type No Cash Out - Borrower Initiated Confirmed. |
| 841710 | xxxxxx |  | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR Confirmed. |
| 841710 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Alternative | Verified Doc Type is DSCR Confirmed. |
| 841710 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 0 | 428.25 | DSCR Loan HTI not required. |
| 841710 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1772.06 | DSCR Loan DTI not required. |
| 841714 | xxxxxx |  | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Loan Type DSCR Confirmed. |
| 841715 | xxxxxx |  | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Subject loan is DSCR. |
| 841715 | xxxxxx |  | xxxxxx | Cash to Close | finalCdDetailPage | 207315 | 214620.62 | Updated as per Final CD. |
| 841715 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Full Doc | Subject loan is DSCR. |
| 841722 | xxxxxx |  | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | DSCR loan |
| 841810 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note document |
| 841811 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | True data is correct, property is a PUD per 1008, DOT, appraisal. |
| 841811 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 17685.62 | 17655.62 | True data is correct, verified from 1008, CD, payment letter, IEAD. |
| 841811 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Note doc. |
| 841811 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.16 | 36.38 | Audited DTI is 32.16 and lender DTI is 36.38. The difference is 4.22.<br>This is due to the difference in monthly liabilities. Per our calculation, total liabitiles are $33,120.95 (credit liabitiles $4,387 + REO $11,048.33) whereas lender considered monthly liabitiles as $37,459.95 as lender included monthly payment for xxxxxxt twice in their calculations. |
| 842467 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 811 | 780 | Updated 1008 with 811 FICO received in FIndings. |
| 842679 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 07/07/2025 | Latest GL version is on 05/13/2025 |
| 842831 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 07/07/2025 | Tape version not available on xxxxxx. |
| 842941 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 07/07/2025 | updated version date as per drop down in 1003 |
| 842941 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.67 | 39.03 | the difference is due to All Other Monthly Payments Used in Qualifying as per 1008 is 25 and per credit report is 65 however DTI is with in the tolerance limit |
| 843058 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 07/07/2025 | Underwriting Guideline Version Date Confirmed from Drop Down |
| 843058 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 1099 Verified | 1099 12 months | Verified Doc Type considered from provided documents. |
| 843059 | xxxxxx |  | xxxxxx | Monthly HOA $| propertyValuationPage | 34.33 | 35.00 | As per appraisal HOA amount is $34.33 |
| 843061 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 07/07/2025 | Underwriting Guideline Version Date updated as per Drop document available in xxxxxx which is recent as per Lock Document. |
| 843066 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 07/07/2025 | Underwriting Guideline Version Date selected as per drop Down |
| 843066 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 1099 Verified | 1099 12 months | Verified Doc Type confirmed from provided document and drop down. |
| 843066 | xxxxxx |  | xxxxxx | B1 Verified Citizenship Designation | fraudReportPage | Permanent Non-US Citizen | Perm Resident Alien | B1 Verified Citizenship Designation updated as per drop down and id documents. |
| 843074 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 07/07/2025 | Underwriting Guideline Version Date updated from drop down. |
| 843076 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 07/07/2025 | Loan Program version confirmed-selected from dropdown |
| 843079 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 07/07/2025 | GL version is 05/13/2025 |
| 843080 | xxxxxx |  | xxxxxx | Monthly Property Tax Amount | titlePage | xxxxxx | xxxxxx | School taxes, county taxes included |
| 843080 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 07/07/2025 | Guideline version is 05/13/2025 |
| 843080 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 40.96 | 34.97 | Updated as per the documents |
| 843080 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.3 | 36.41 | Updated as per the documents |
| 843087 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property type updated as per appraisal |
| 843087 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 07/07/2025 | Guideline version updated as per drop down |
| 843089 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 07/07/2025 | Updated as per approval docs Guideline Version is 7/15//2025 but there is no dropdown in xxxxxx consider 07/07/2025 consider 05/13/2025. |
| 843090 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type updated as per Appraisal Document "Two to Four Unit". |
| 843091 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 07/07/2025 | Underwriting Guideline Version Date considered from Drop down . |
| 843108 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified Property Type as 2 to 4 units per Appraisal page 33. |
| 843108 | xxxxxx |  | xxxxxx | Number of Units | propertyValuationPage | 3 | 1 | Verified Number of Units as 3 units with Appraisal page 33. |
| 843769 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.22 | 37.50 | DTI is within Tolerance with a variance of 0.28, |
| 843830 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date considered per Note document on page 406. Tape Data is the Disbursement Date. |
| 843830 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Verified doc type considered per loan program & documentation. |
| 844046 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Note. |
| 844046 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 756 | 752 | True data is correct, finding in place for correct FICO on 1008 page. |
| 844055 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Note doc. |
| 844055 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for income qualification nd hence doc type updated the same. |
| 844055 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.8 | 37.60 | Audited DTI is 42.80 and lender DTI is 37.60. The difference is 5.2.<br>This is because lender considered qualifying income as $14,852.98 whereas our calculated income is $13,049.76 as lender did not consider most recent bank statement of 07/16/2025 available on page # 108. |
| 844227 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note document. Tape Data is the Disbursement Date. |
| 844227 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| 845240 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.75 | 43.42 | DTI Variance is due to the increase in all other monthly payment iao $84; however remains under the Max DTI of 50%. |
| 845319 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Subject property is 2 unit property as per the appraisal and updated the same. |
| 845320 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 07/07/2025 | Underwriting Guideline Version Date Considered from Drop down. |
| 845320 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | P&L Only 12 months | Verified Doc Type Considered from Lock document. |
| 845320 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.83 | 44.84 | Qualifying Total Debt Income Ratio Rounding the Value. |
| 845320 | xxxxxx |  | xxxxxx | B1 Verified Citizenship Designation | fraudReportPage | Permanent Non-US Citizen | Perm Resident Alien | B1 Verified Citizenship Designation Considered from Final 003 document. |
| 845331 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 07/07/2025 | Underwriting Guideline Version Date Considered from Selected Drop down . |
| 845331 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.68 | 33.49 | Qualifying Total Debt Income Ratio Matching With Final 1008 document. |
| 845367 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 07/07/2025 | Underwriting guideline version selected from dropdown |
| 845373 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 07/07/2025 | Confirmed from Initial 1003 |
| 845376 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 07/07/2025 | Guideline Version updated as per drop down |

---

## Exhibit 99.26

**EXHIBIT 99.26**

**selene atr qm detail**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 839387 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |  | N/A |  |  | No | No | Yes | Present |
| 840082 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 840107 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 840108 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 840124 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 840125 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 840132 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7097.19 | Yes | Employed | Employed | No | No | No |  |
| 840768 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 840856 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 840885 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13344.89 | Yes | Employed |  | No |  | No |  |
| 840965 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25440.9 | Yes | Employed |  | No |  | No |  |
| 841156 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30349.29 | Yes | Employed |  | No |  | No |  |
| 841289 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |  | N/A |  |  | No |  | Yes | Present |
| 841395 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4020.7 | Yes | Employed |  | No |  | No |  |
| 841411 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |  | N/A |  |  | No |  | Yes | Present |
| 841417 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 841419 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 841421 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 841423 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 841430 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 841431 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 841591 | xxxxxx |  | xxxxxx | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 56130.78 | Yes | Employed |  | No |  | No |  |
| 841632 | xxxxxx |  | xxxxxx | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14775.84 | Yes | Employed |  | No |  | No |  |
| 841664 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22060.92 | Yes | Employed |  | No |  | No |  |
| 841702 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |  | N/A |  |  | No |  | Yes | Present |
| 841704 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No | No | Yes | Present |
| 841706 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 841710 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 841714 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |  | N/A |  |  | No |  | Yes | Present |
| 841715 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 841722 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 841810 | xxxxxx |  | xxxxxx | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 86933.94 | Yes | Employed |  | No |  | No |  |
| 841811 | xxxxxx |  | xxxxxx | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 69851.89 | Yes | Employed |  | No |  | No |  |
| 842467 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3630.98 | Yes | Employed | Not Employed | No | No | No |  |
| 842499 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 842679 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5315.09 | Yes | Employed |  | No |  | No |  |
| 842831 | xxxxxx |  | xxxxxx | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 146258.83 | Yes | Employed | Employed | No | No | No |  |
| 842941 | xxxxxx |  | xxxxxx | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3786.33 | Yes | Employed |  | No |  | No |  |
| 843058 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7327.28 | Yes | Employed |  | No |  | No |  |
| 843059 | xxxxxx |  | xxxxxx | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20517.88 | Yes | Employed |  | No |  | No |  |
| 843061 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12332.95 | Yes | Employed |  | No |  | No |  |
| 843062 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7224.73 | Yes | Employed |  | No |  | No |  |
| 843066 | xxxxxx |  | xxxxxx | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17312.11 | Yes | Employed |  | No |  | No |  |
| 843074 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6407.89 | Yes | Employed | Not Employed | No | No | No |  |
| 843076 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8593.55 | Yes | Employed |  | No |  | No |  |
| 843079 | xxxxxx |  | xxxxxx | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13480.4 | Yes | Employed | Not Employed | No | No | No |  |
| 843080 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3411.65 | Yes | Employed | Employed | No | No | No |  |
| 843082 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 | 213534.06 | Yes | Employed |  | No |  | Yes | Present |
| 843085 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2464.84 | Yes | Employed |  | No |  | No |  |
| 843086 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3369.45 | Yes | Employed |  | No |  | No |  |
| 843087 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5962.18 | Yes | Employed |  | No |  | No |  |
| 843089 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6146.3 | Yes | Employed |  | No |  | No |  |
| 843090 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16714.29 | Yes | Employed |  | No |  | No |  |
| 843091 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3471.59 | Yes | Employed | Not Employed | No | No | No |  |
| 843092 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17166.65 | Yes | Employed |  | No |  | No |  |
| 843093 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44397.5 | Yes | Employed |  | No |  | No |  |
| 843094 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30266.71 | Yes | Employed |  | No |  | No |  |
| 843098 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2641.53 | Yes | Employed | Not Employed | No | No | No |  |
| 843099 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1429.54 | No | Employed |  | No |  | No |  |
| 843100 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11043.43 | Yes | Employed |  | No |  | No |  |
| 843105 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |  | N/A |  |  | No |  | Yes | Present |
| 843107 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 843108 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4565.4 | Yes | Employed |  | No |  | No |  |
| 843162 | xxxxxx |  | xxxxxx | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 102017.1 | Yes | Employed |  | No |  | No |  |
| 843582 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14444.23 | Yes | Employed |  | No |  | No |  |
| 843769 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30228.84 | Yes | Employed |  | No |  | No |  |
| 843830 | xxxxxx |  | xxxxxx | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6917.5 | Yes | Employed |  | No |  | No |  |
| 844046 | xxxxxx |  | xxxxxx | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22644.66 | Yes | Employed | Employed | No | No | No |  |
| 844055 | xxxxxx |  | xxxxxx | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7464.43 | Yes | Employed |  | No |  | No |  |
| 844227 | xxxxxx |  | xxxxxx | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 213463.1 | Yes | Employed |  | No |  | No |  |
| 845235 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9825.16 | Yes | Employed |  | No |  | No |  |
| 845240 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14249.57 | Yes | Employed | Employed | No | No | No |  |
| 845305 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5080.02 | Yes | Employed |  | No |  | No |  |
| 845319 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8393.26 | Yes | Employed |  | No |  | No |  |
| 845320 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7762.24 | Yes | Employed |  | No |  | No |  |
| 845324 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8910.17 | Yes | Employed |  | No |  | No |  |
| 845331 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5683.34 | Yes | Employed | Employed | No | No | No |  |
| 845367 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3239.65 | Yes | Employed |  | No |  | No |  |
| 845373 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6930.34 | Yes | Employed |  | No |  | No |  |
| 845376 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32448.66 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.27

**EXHIBIT 99.27**

**selene valuations report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 839387 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 05-14-2025 |
| 840082 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-23-2025 |
| 840107 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-10-2025 |
| 840108 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-10-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-10-2025 |
| 840124 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | 71.43 | 71.43 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 06-03-2025 |
| 840125 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-07-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-16-2025 |
| 840132 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | 62.53 | 62.53 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-16-2025 |
| 840768 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | 55.71 | 55.71 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 03-24-2025 |
| 840856 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-16-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-23-2025 |
| 840885 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 06-09-2025 |
| 840965 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-09-2025 Eligible |  |  |
| 841156 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-19-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-20-2025 |
| 841289 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | 74.38 | 74.38 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-18-2025 |
| 841395 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-07-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-09-2025 |
| 841411 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-17-2025 | 1004 URAR | xxxxxx | 15.1 | 15.1 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841417 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-09-2025 |
| 841419 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-04-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841421 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-08-2025 | 1004 URAR | xxxxxx | 73.32 | 73.32 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-27-2025 |
| 841423 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841430 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-04-2025 | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 06-04-2025 |
| 841431 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-21-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-22-2025 |
| 841591 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | xxxxxx | -.0373 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | -.0373 | 06-04-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0373 | xxxxxx | Moderate Risk | 07-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 06-04-2025 |
| 841632 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | 45.06 | 45.06 | xxxxxx | xxxxxx | -.0882 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0882 | xxxxxx | Moderate Risk | 06-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841664 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 06-03-2025 |
| 841702 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-30-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 05-13-2025 |
| 841704 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-05-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0045 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | .1607 | 04-23-2025 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0045 | xxxxxx | High Risk | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841706 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-06-2025 | 1073 Individual Condo Report | xxxxxx | 61.69 | 61.69 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841710 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-11-2025 | 1004 URAR | xxxxxx | 61.82 | 61.82 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 |  |
| 841714 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-05-2025 | 1073 Individual Condo Report | xxxxxx | 55.56 | 55.56 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-01-2025 |
| 841715 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-13-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-20-2025 |
| 841722 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-02-2025 |
| 841810 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-10-2025 | 1004 URAR | xxxxxx | 43.4 | 43.4 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-20-2025 |  |  |  |  |  |  |  |  |  |  | 2 | 06-12-2025 Eligible |  |  |
| 841811 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-19-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0162 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0162 | 05-24-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 06-26-2025 |
| 842467 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 07-10-2025 |
| 842499 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-28-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-07-2025 |
| 842679 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-27-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-02-2025 |
| 842831 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-11-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 07-14-2025 |
| 842941 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-03-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-08-2025 |
| 843058 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-27-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-03-2025 |
| 843059 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 07-05-2025 |
| 843061 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-07-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-09-2025 |
| 843062 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-07-2025 | 1004 URAR | xxxxxx | 49.28 | 49.28 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-07-2025 |
| 843066 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-14-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-15-2025 |
| 843074 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-02-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 07-09-2025 |
| 843076 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-10-2025 |
| 843079 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-30-2025 |
| 843080 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-25-2025 |
| 843082 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-09-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-11-2025 |
| 843085 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-07-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-10-2025 |
| 843086 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-11-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | xxxxxx | 23.2897 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 07-16-2025 |
| 843087 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-08-2025 | 1025 Small Residential Income Report | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843089 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-18-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-28-2025 |
| 843090 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-14-2025 | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-21-2025 |
| 843091 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-25-2025 |
| 843092 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-04-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843093 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-04-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 07-14-2025 |
| 843094 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 78.24 | 78.24 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 04-04-2025 |
| 843098 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-12-2025 | 1004 URAR | xxxxxx | 69.6 | 69.6 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-12-2025 |
| 843099 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-08-2025 | 1004 URAR | xxxxxx | 60.77 | 60.77 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-09-2025 |
| 843100 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-22-2025 |
| 843105 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | .0092 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0092 | xxxxxx | Low Risk | 07-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 07-02-2025 |
| 843107 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-17-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 06-23-2025 |
| 843108 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-08-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843162 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-27-2025 | 1073 Individual Condo Report | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-01-2025 |
| 843582 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 06-27-2025 |
| 843769 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-21-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-29-2025 |
| 843830 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-05-2025 | 1004 URAR | xxxxxx | 61.73 | 61.73 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-06-2025 |
| 844046 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844055 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-08-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-15-2025 Eligible |  |  |
| 844227 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-03-2025 |
| 845235 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-08-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 07-15-2025 |
| 845240 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-11-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 07-13-2025 |
| 845305 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-17-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-20-2025 |
| 845319 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-02-2025 | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-09-2025 |
| 845320 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-02-2025 |
| 845324 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-31-2025 |
| 845331 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-18-2025 | 1073 Individual Condo Report | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-25-2025 |
| 845367 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | 66.89 | 66.89 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 07-22-2025 |
| 845373 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 08-01-2025 |
| 845376 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-17-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-17-2025 |

---

## Exhibit 99.28

**EXHIBIT 99.28**

**clayton services llc ("clayton") due diligence narrative report**

![](tm2526594d1_ex99-28img001.jpg)

![](tm2526594d1_ex99-28img002.jpg)

**September 22, 2025<br> Due Diligence Narrative Report**

![](tm2526594d1_ex99-28img001.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;*Sampling* | 3 |
| &nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | 3 |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | 3 |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | 7 |
| &nbsp;&nbsp;&nbsp;*Data Capture* | 7 |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **11** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

 ****

Verus 2025-9 Due Diligence Narrative Report Page \| 1 September 22, 2025

 ****

 ****

**Clayton Contact Information**

**Client Service Management:** 

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-28img004.jpg) | **Michael Taylor** | Client Service Director |
|  |  | Phone: (813) 261-8915/E-mail: <u>mtaylor@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-28img004.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 82 residential loans selected for Verus 2025-9. The loans referenced in this narrative report were reviewed from 4/2025 to 8/2025. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review. The population of 82 loans were purchased on a Reliance Letter.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 73 | 89.02% |
| Retail | 9 | 10.98% |
| **Total** | **82** | **100.00%** |

---

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

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance 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. This is referred to as a "Full Review."

Verus 2025-9 Due Diligence Narrative Report Page \| 2 September 22, 2025

 ****

 ****

Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| ***Review Type*** | ***Loan Count***<br> ***Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 82 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 82 |  |

---

Sponsor Acquisition Criteria

The loans were underwritten to origination guidelines. Clayton was supplied with all the guidelines in advance of our review.

Clayton was supplied with all of the changes to the guidelines with advance notice.

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 Kroll Bond Rating Agency, LLC ("KBRA") and S&P Global Ratings ("S&P").

Verus 2025-9 Due Diligence Narrative Report Page \| 3 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

TPR Component Review Scope

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

Credit Review

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ DSCR
 Loans- Reviewed lease agreements and third-party market rent
 documents to confirm compliance with Debt-Service-Coverage-Ratio requirements

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

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (82 loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CU
 Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Desk
 Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Drive
 By

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Full
 Appraisal

Additional valuation product was not required when CU score provided was below 2.5. In the event the CU score was equal to or greater than 2.5, additional valuation product was obtained to confirm value was supported. In some cases additional desk reviews were ordered on loans with an acceptable CU score based on guidance from the seller.

Verus 2025-9 Due Diligence Narrative Report Page \| 4 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

Regulatory Compliance Review

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed
 compliance with state specific consumer protection laws by testing late charge and prepayment
 penalty provisions;

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. 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. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;

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

- 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real
 Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

OF NOTE: As of October 3, 2015 ("TRID Effective Date"), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel's interpretations of the published regulations as of the TRID Effective Date. Clayton's scope was commercially reasonable as it relates to a Third Party Review ("TPR") firms' 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.

Verus 2025-9 Due Diligence Narrative Report Page \| 5 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

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

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

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

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

State and Federal High Cost and Higher-Priced:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook
 County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago
 High Cost Ordinance

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

Anti-predatory lending laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Virginia
 Lender and Broker Act after 6/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota
 §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

National Flood Insurance Program for 1-4 unit residential properties (Transaction Date on or after 1/1/2016 for regulated lenders)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency
 of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow
 of insurance payments

Verus 2025-9 Due Diligence Narrative Report Page \| 6 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

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

Data Integrity

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

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

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

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

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

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") data disclosure requirements. The file format is 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.

Verus 2025-9 Due Diligence Narrative Report Page \| 7 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

**Data Compare Results**

Clayton provided VMC Asset Pooler, LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.78% |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.78% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;19 | &nbsp;&nbsp;76.83% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;7 | &nbsp;&nbsp;91.46% |
| &nbsp;&nbsp;Credit Report Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;5 | &nbsp;&nbsp;93.90% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;86.59% |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.78% |
| &nbsp;&nbsp;DTI Qualifying (Back) | &nbsp;&nbsp;31 | &nbsp;&nbsp;62.20% |
| &nbsp;&nbsp;DTI Qualifying (Front) | &nbsp;&nbsp;23 | &nbsp;&nbsp;71.95% |
| &nbsp;&nbsp;Ever in Foreclosure | &nbsp;&nbsp;8 | &nbsp;&nbsp;90.24% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.78% |
| &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.78% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;7 | &nbsp;&nbsp;91.46% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.78% |
| &nbsp;&nbsp;Min Number | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.78% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;24 | &nbsp;&nbsp;70.73% |
| &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;96.34% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;93.90% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;92.68% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.78% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;8 | &nbsp;&nbsp;90.24% |

---

Verus 2025-9 Due Diligence Narrative Report Page \| 8 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results (KBRA)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 38 |  | 2 | 19 | **59** |
| **Final** | **B** |  | 7 | 7 | 9 | **23** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **38** | 7 | 9 | **28** | **82** |

---

**Initial and Final Overall Loan Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 38 |  | 2 | 19 | **59** |
| **Final** | **B** |  | 7 | 7 | 9 | **23** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **38** | 7 | 9 | **28** | **82** |

---

\*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 (KBRA)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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 | 44 |  | 6 | 14 | **64** |
| **Final** | B |  | 11 |  | 7 | **18** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **44** | **11** | **6** | **21** | **82** |

---

**Initial and Final Credit Component Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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 | 44 |  | 6 | 14 | **64** |
| **Final** | B |  | 11 |  | 7 | **18** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **44** | **11** | **6** | **21** | **82** |

---

Verus 2025-9 Due Diligence Narrative Report Page \| 9 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

**Initial and Final Property Valuation Grade Results (KBRA)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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 | 72 |  |  | 8 | **80** |
| **Final** | B |  | 2 |  |  | **2** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **72** | **2** | **0** | **8** | **82** |

---

**Initial and Final Property Valuation Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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 | 72 |  |  | 8 | **80** |
| **Final** | B |  | 2 |  |  | **2** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **72** | **2** | **0** | **8** | **82** |

---

**Initial and Final Regulatory Compliance Grade Results (KBRA)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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 | 48 |  | 2 | 7 | **57** |
| **Final** | B |  |  | 6 |  | **6** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **48** | **0** | **8** | **7** | **63** |

---

**Initial and Final Regulatory Compliance Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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 | 48 |  | 2 | 7 | **57** |
| **Final** | B |  |  | 6 |  | **6** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **48** | **0** | **8** | **7** | **63** |

---

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

Verus 2025-9 Due Diligence Narrative Report Page \| 10 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

---

| |
|:---|
| &nbsp;&nbsp;1. ASF Report |
| &nbsp;&nbsp;2. ASF Supplement |
| &nbsp;&nbsp;3. Attestation Forms |
| &nbsp;&nbsp;4. Business Purpose Supplement |
| &nbsp;&nbsp;5. Conditions Report |
| &nbsp;&nbsp;6. Loan Level Tape Compare Upload |
| &nbsp;&nbsp;7. Multi Property Valuation Report |
| &nbsp;&nbsp;8. Narrative Report |
| &nbsp;&nbsp;9. Non/QM ATR Upload |
| &nbsp;&nbsp;10. Rating Agency Grades 2.0 |
| &nbsp;&nbsp;11. Valuation Summary Reports |

---

**Appendix A: Credit Review Scope**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o LTV/TLTV/HLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Credit
 score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income
 and employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Assets
 and reserves

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower
 eligibility, including:

- Citizenship status

- Non-occupant co-borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Transaction
 eligibility, including:

Maximum loan amount

- Loan purpose

- Occupancy

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

Verus 2025-9 Due Diligence Narrative Report Page \| 11 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Uniform
 Residential Loan Application reviewed to determine:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Employment
 analyzed and verified through use of various documents, including:

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income
 review included:

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Asset
 review included:

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Credit
 Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

Verus 2025-9 Due Diligence Narrative Report Page \| 12 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

&nbsp;&nbsp;&nbsp;&nbsp;o Title
 policy review included:

- Title interest – determined if

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

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;o HUD1
 (Settlement Statement) review included:

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

&nbsp;&nbsp;&nbsp;&nbsp;o Hazard/Flood
 insurance review included:

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

- Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Life of loan, if flood
 insurance required

Confirmed that any required insurance minimum coverage amount and policy period

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

- Confirmed that the mortgagee clause listed the lender's name and "its successors and assigns"

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

&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage
 Insurance review included:

- Determined if mortgage insurance is required

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

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

Verus 2025-9 Due Diligence Narrative Report Page \| 13 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

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:

&nbsp;&nbsp;&nbsp;&nbsp;o Borrower
 identity

- Social Security inconsistencies

- Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;o Occupancy

- Borrower address history

- Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;o Employment

&nbsp;&nbsp;&nbsp;&nbsp;o Licensing
 – reviewed NMLS data for:

- Mortgage lender/originator

- Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;o OFAC

**Appendix B: Origination Appraisal Assessment**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal
 report used standard GSE forms, appropriate to the property type:

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal
 report was reasonably complete and included:

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

Verus 2025-9 Due Diligence Narrative Report Page \| 14 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

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

- All required attachments including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 front, rear and street photos and valued features

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 interior photos – kitchen, all baths, main living area, updates/upgrades, deferred
 maintenance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Photos
 of all comparable sales and listings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location
 map

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Exterior
 sketch of property with dimensions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1004MC
 Market Conditions Report

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Title
 XI of FIRREA:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o USPAP

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraised
 value was reasonably supported. Utilized the following review in making value supported determination:

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

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

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

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

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

&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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal
 was reviewed for any indication of property or marketability issues. Utilized the following
 key points in making determination:

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

Verus 2025-9 Due Diligence Narrative Report Page \| 15 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ %
 built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth
 rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing
 time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant
 occupancy

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

- Style of property was reviewed to determine if unique property

- Any health and safety issues were noted and/or remediated

- Locational and/or environmental concerns adequately addressed if present

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

&nbsp;&nbsp;&nbsp;&nbsp;o 3
 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;o 2
 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;o Unwarrantable
 or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured
 or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel
 units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique
 properties

&nbsp;&nbsp;&nbsp;&nbsp;o Working
 farms, ranches or orchards

&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use
 properties

&nbsp;&nbsp;&nbsp;&nbsp;o Properties
 subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;o Properties
 located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;o Properties
 exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

F. Disclaimer

&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.

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

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton
 is not an 'AMC' (appraisal management company) and therefore Clayton does not
 opine on the actual value of the underlying property

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

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton
 does not check to see if the appraiser is on the Freddie Mac exclusionary list

Verus 2025-9 Due Diligence Narrative Report Page \| 16 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

G. Desk Review definitions

&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.

&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 ensure 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.

**Appendix C: Regulatory Compliance Review Scope**

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

**<u>Federal Law</u>**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial
 Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

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

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

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

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

Verus 2025-9 Due Diligence Narrative Report Page \| 17 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High
 Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High
 Cost Prohibited Acts and Practices upon request (Section 33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher
 Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal
 requirements (Section 35)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM
 Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014,
 confirm the loan file contains documentation to evidence the lender considered and verified
 the borrower has the ability to repay in accordance with the ATR requirements This included
 identifying whether QM loans met agency exemptions or were underwritten in accordance with
 Appendix Q. Non QM loans will be reviewed to ensure the lender documented that they considered
 and verified the 8 underwriting factors as required for ATR compliance. This review also
 includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA
 Integrated Disclosure Rule: "The Initial TRID Scope"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test whether or not
 the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE")
 and Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application Requirement
 Testing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application
 forms cannot look similar to the 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;· Pre-application
 forms must contain the required disclaimer ("Your actual rate, payment, and costs could
 be higher. Get an official Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing Requirements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
 LE was delivered or placed in the mail within 3 business days of the broker or lender receiving
 an application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
 loan does not consummate (Clayton looks to the later of the note date or notary date) until
 the later of seven business days after the LE is delivered or placed in the mail and three
 business days after the CD (or Corrected CD when a new three-day waiting period is triggered)
 is received.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That
 a revised LE or CD is provided within three business days of the lender having knowledge
 of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee Tolerances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero
 and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If
 a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment Schedule Accuracy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
 number of columns and timing of changes to payments as well as the mortgage insurance drop-off
 match Clayton's calculated payment schedule.

Verus 2025-9 Due Diligence Narrative Report Page \| 18 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only
 periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
 total of the principal and interest payment, mortgage insurance and escrow amounts add up
 correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When
 applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy of the Loan
 Calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount
 Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance
 Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total
 of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total
 interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance
 with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance
 with specified formatting requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance
 with date entry requirements (such as when a field, if not applicable, must be present and
 left 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;· Alphabetization
 of 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;· Title
 fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Column
 or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination
 Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency within and
 across forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once
 a fee is disclosed it must remain substantially the same name across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consistency
 between the Costs at Closing and Calculating Cash to Close tables, for which there is a version
 for transactions with a seller and an optional, but not required, version for transactions
 without a seller. They should be consistent within and across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Where
 amounts in a table reference that they are derived from another section of the form, that
 the amounts match the amount in the section referenced.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow
 amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed
 in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion of the LE
 and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All
 required fields not specifically listed herein are completed or left blank in accordance
 with TRID rules; creditor information, contact information, rate lock information, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· For
 areas where multiple options are provided, such as Assumption, Negative Amortization and
 Liability after Foreclosure, only one option is indicated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That
 there is either a signature or a Loan Acceptance statement on the form.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Clayton
 will capture if the borrower waived their waiting period and the sufficiency of the waiver
 under TRID. However, based on past experience with clients, Clayton will also issue an exception
 for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected CD requiring
 a new waiting period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 the APR increased or decreased outside of tolerance requiring a new waiting period and whether
 that waiting period was provided. For APR decreases Clayton will look to whether the APR
 decreased due to a reduced finance charge, which will be considered to be within tolerance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 the product or a product feature changed which requires a new waiting period and whether
 that waiting period was provided.

Verus 2025-9 Due Diligence Narrative Report Page \| 19 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 a prepayment penalty was added requiring a new waiting period and whether that waiting period
 was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close CD's

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected
 CD's provided with a post-close refund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close
 CD's to correct numerical errors based on events (such as recording) occurring within
 30 days of 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;· Post-close
 CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision
 and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written
 List of Providers, when there are items in in the Services You Can Shop For category (can
 impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated
 Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside of Clayton's
 default TRID scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy
 of the LE in terms of whether fees are within the correct category and loan terms where we
 would need a Note to verify. More detailed testing will occur by comparing the final CD to
 the Note terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy
 of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence
 and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy
 of the Contact Information for the lender, broker and settlement agent. Clayton will look
 for discrepancies across forms, but is not independently verifying the information.

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

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

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

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

---

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

---

Verus 2025-9 Due Diligence Narrative Report Page \| 20 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

**B.** **State/Local High Cost** 

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

---

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

---

**C.** **Anti-Predatory** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota
 (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto
 Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas
 (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West
 Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

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

---

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

---

Verus 2025-9 Due Diligence Narrative Report Page \| 21 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

**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:

---

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

---

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

**F.** **Texas Equity** 

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

**<u>GSE Testing</u>**

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

Verus 2025-9 Due Diligence Narrative Report Page \| 22 September 22, 2025

![](tm2526594d1_ex99-28img001.jpg)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk.

Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2025 Clayton Services LLC. All rights reserved.

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

Verus 2025-9 Due Diligence Narrative Report Page \| 23 September 22, 2025

## Exhibit 99.29

**EXHIBIT 99.29**

**clayton conditions report**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2025-9** |
| **Start - End Dates:** | **4/2025-8/2025** |
| **Deal Loan Count:** | **82** |
| **Conditions Report** | **Conditions Report** |
| ***Loans in Report:*** | *82* |
| ***Loans with Conditions:*** | *44* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Morningstar/DBRS Initial Securitization Compliance Loan Grade** | **Morningstar/DBRS Final Securitization Compliance Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Moodys Compliance Loan Grade** | **Final Moodys Compliance Loan Grade** | **Initial KBRA Compliance Loan Grade** | **Final KBRA Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub 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** |
| 831217 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score of 757 is above the required 700.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 61.92% is below the maximum allowable of 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash reserves = $118,320.65, 14.10 months. 3 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: Mortgage payment history of 99 months exceeds the required 12 months.<br>CFCFS1746: Significant housing expense reduction<br> - xxxxxx Comments: Current PITI payment is $10,998.66; Subject PI is $8,393.74. Monthly savings of $2,604.92. |
| 837461 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Median FICO 755 > 55 points above guideline program minimum of 700.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 48 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. |
| 837638 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 62.89% LTV for Subject Property is below guideline max LTV of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Median FICO 755 > 55 points above guideline program minimum of 700.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 48 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. |
| 838374 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close assets are$36,228.20 or 18.53 months PITIA. No reserves are required.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV > 20 points below maximum guideline |
| 839537 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close assets are$260,699.62 or 116 months PITI. No reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score > 50 points above guideline minimum |
| 839651 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close assets are $282,790.37 or 123 months PITI. No reserves are required<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score > 50 points above guideline minimum |
| 839882 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 45.45% LTV < maximum permitted of 65%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post closing assets: $91,292.11 (67.38 months PITIA reserves) > minimum required reserves of 6 months PITIA. |
| 839908 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A C | A | A C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide form 1007 or similar document to support rental amount of $1,675.00 used in DSCR calculation. | 7-15-25 Client uploaded 1007. | 7-17-25 xxxxxx reviewed 1007. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LV of 65 is below guideline requirement max of 75.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Verified reserves of $36,994.48 or 22.09 months PITI reserves exceeds guidelines of 6 months required.<br>CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Per application, borrower is at their current residence 40 years. |
| 840047 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Reserves of 21 months PITIA is 15 months greater than the 6 months reserves required. |
| 840051 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: The borrowers have resided at current residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 70% LTV below guideline requirements of 75% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post closing reserves $23,972.41 , 11.54 months; 6 months reserves required. |
| 840603 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Qualifying fico is 782. G/l min is 640<br>CFCFS5269: Minimal use of credit<br> - xxxxxx Comments: 28% consumer credit utilization in file<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: Borrower is 0\*30 mortgage payment history past 60 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close assets are $243,818.15 or 47.12 months piti reserves. 0 months required. |
| 840908 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close assets are$699,990.70 or 108.9 months PITI. No reserves are required<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV > 20 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score > 100 points above guideline minimum |
| 841006 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER3262 | Property issues indicated | No | Borrower (developer) currently owns 30% of the units which is greater than the maximum 20% ownership of the project allowed. Client provided an exception approval to allow the loan with the borrower owning more than 20% of the project. xxxxxx considers this non material as borrower has excess reserves, good credit score of 714, and project has demonstrated market acceptance. | 06/24/25 - Acknowledged by client. | 06/24/25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Reserves of 14 months PITIA is 8 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Qualifying FICO of 714 is 54 points above the 660 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 61.71% and 70% LTV allowed for the program. |
| 841082 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 841162 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing documentation to clear borrower's name from EPLS/SAM list. xxxxxx provided supports borrower's name is on the EPLS/SAM list | 6-2-25 Client responded: Please see ITIN card.6-3-25 Client uploaded SAM search. | 6-2-25 xxxxxx reviewed file and docs submitted which does not clear the alert on the fraud report for EPLS/SAM. Provide SAM.gov search. Exception remains. 6-3-25 xxxxxx reviewed SAM search. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit Score 741 exceeds the minimum of 680<br>CFCFS5269: Minimal use of credit<br> - xxxxxx Comments: 10% revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash Back $70693.90, 32.22 months reserves, 6 months required<br>CFCFS1746: Significant housing expense reduction<br> - xxxxxx Comments: Payment reduced $651.39/ month or 22.89% |
| 841162 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Credit | Terms/Guidelines | Waived C B | CRDTER3654 | Borrower(s) do not meet guideline requirements for citizenship status | No | Missing documentation borrower is a xxxxxx per loan application or provide required non-citizen documentation and updated application.Borrower has an ITIN and not a Social Security number per xxxxxx report. | 6-2-25 Client responded: Please see revised application.6-3-25 Client responded: The original 1003 submitted along with the complete loan package is the correct 1003. Borrower is xxxxxx with ITIN card provided. xxxxxx. 07.07.2025 - Acknowledged by client. | 6-2-25 xxxxxx reviewed application which now reflects Non-Permanent resident alien. Provide satisfactory documentation (EAD or a visa permitting employment) per section 1.3.1.3 of guidelines for Non-permanent resident alien. Exception remains. 6-3-25 xxxxxx reviewed the file and the guidelines - based on the fraud report, credit report and ITIN card, the borrower is not considered a xxxxxx without a Certificate of Naturalization. ITIN card is not an acceptable form of residency status per xxxxxx guidelines. Provide satisfactory evidence of citizenship/residency.(Permanent resident alien requires green card, Non-permanent resident requires EAD document and foreign national requires unexpired passport.) Exception remains. 07.07.2025 - Material exception remains.7-9-25 xxxxxx deems non-material. Documentation indicates borrower is non-permanent resident and an ITIN card provided. Foreign national and non-permanent resident alien matrix type requirements are met; some of the foreign national or non permanent resident alien docs are missing (missing proper docs for Non-Perm per GL). Even if B is a Foreign National they are within guidelines at 65% LTV with the exception of FN docs (unexpired Passport, xxxxxx). Compensating factors include: 32.22 months cash reserves/6 months required, credit score of 741/680 minimum, Minimal credit use at 10% and reduction in housing payment by $651.39 per month or 22.89%. Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit Score 741 exceeds the minimum of 680<br>CFCFS5269: Minimal use of credit<br> - xxxxxx Comments: 10% revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash Back $70693.90, 32.22 months reserves, 6 months required<br>CFCFS1746: Significant housing expense reduction<br> - xxxxxx Comments: Payment reduced $651.39/ month or 22.89% |
| 841166 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 841432 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing HUD-1 (Final and Estimated) | 07/30/2025 - Final CD provided. | 07/30/2025 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV > 5 points below guideline maximum |
| 841531 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 724 mid score > minimum required of 700<br>CFCFS5269: Minimal use of credit<br> - xxxxxx Comments: No current usage of available revolving credit @ 0.00%<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: 0x30 x58 months > maximum permitted of 1x30 x12 months |
| 841535 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | Credit | Title | Satisfied C A | CRDTIL100 | Potential title issue | No | Title reflects lien of xxxxxx dated xxxxxx. HUD reflects payoff of xxxxxx and VOM indicates private lien of xxxxxx.Provide update to title to reflect lien at xxxxxx dated xxxxxx for loan to be considered a rate term refinance. | 7-10-25 Client replied: final ss showing the correct payoff amount of xxxxxx. 7-15-25 Client emailed that they uploaded updated title. | 7-14-25 xxxxxx reviewed final HUD. Corrected title report is still needed that reflects the recorded lien on property is xxxxxx instead of xxxxxx. Exception remains. 7-17-25 xxxxxx reviewed title page with xxxxxx as original lien. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 63% is below guidelines. 70% maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Total reserves of $20,550.65 or 9.34 months PITI reserves versus required reserves of ($2,234.28 x 6 = $13,405.68)<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score of 697 exceeds guidelines. 660 minimum required. |
| 841535 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | Property Valuations | Property | Waived B | PRVAPROP177 | Property Issues Indicated | No | Per appraisal Zoning Description is "Commercial" which is not acceptable per guidelines. Lender approved exception in file. xxxxxx deems non-material/non-fatal to lending decision due to the following compensating factors: 9.34 months cash reserves/0 months required, credit score of 697/660 minimum and LTV of 63%/70% maximum. Additional commentary: Per the xxxxxx Planner, the subject is xxxxxx. Also, the xxxxxx. xxxxxx. | 07.21.2025 - Acknowledged by client. | 07.21.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 63% is below guidelines. 70% maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Total reserves of $20,550.65 or 9.34 months PITI reserves versus required reserves of ($2,234.28 x 6 = $13,405.68)<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score of 697 exceeds guidelines. 660 minimum required. |
| 841543 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has been at current residence for 24 years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Qualifying fico is 768. G/l min is 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close assets are $107,962.28, 18.41 months, none required, |
| 841544 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: 4 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: 80 months of 0x30 mortgage history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 790 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 105 months of 0x30 consumer credit history per CBR. |
| 841547 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Co-Borrower has been at current residence for 5 years<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV is 69.47%. G/L max is 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Qualifying fico is 717. G/l min is 700 |
| 841548 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV 70% is below the maximum of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash Reserves $19060.03, 8.38 months reserves, 6 months required<br>CFCFS3824: Borrower contributed an additional down payment<br> - xxxxxx Comments: Borrower contributed an additional $17,250 above the required $86,250 down payment for a total down payment of $103,500. |
| 841813 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV is 70%; guidelines allow 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Borrower has $17,315.73/6.69 PITIA, none required. |
| 841820 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A B | A | A B | A | A B | A | A | Property Valuations | Property | Waived B | PRVAPROP177 | Property Issues Indicated | No | Subject property is xxxxxx - guidelines require a xxxxxx. Lender approved exception in file. xxxxxx deems non-material/non-fatal to lending decision due to the following compensating factors: 28.17 months cash reserves/6 months required, LTV of 70%/75% maximum and additional downpayment of $9,250 over the required $46,250.Additional commentary: Subject property is confirmed by appraisal to xxxxxx. | 07/15/25 - Acknowledged by client | 07/15/25 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 70% is below guideline maximum of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Verified reserves of $46,688.74 or 28.17 months PITI reserves exceed guidelines. 6 months required.<br>CFCFS3824: Borrower contributed an additional down payment<br> - xxxxxx Comments: Borrower contributed an additional $9,250 above the required $46,250 down payment for a total down payment of $55,500. |
| 841854 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing evidence the borrowers own xxxxxx Premiere Money Market account xxxxxx. | 7-17-25 Client uploaded bank statement. | 7-17-25 xxxxxx reviewed March bank statement reflecting owner of account xxxxxx. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrowers have occupied primary residence for 20 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post closing assets: $15,219.39 or 8.63 months. 6 months required. |
| 841854 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER4631 | Loan parameters do not meet guidelines | No | Guidelines do not allow Gift funds on Foreign National xxxxxx product. Lender approved exception in file for variance. xxxxxx deems non-material/non-fatal as gift was less than 4% of the required 25% down payment and compensating factors: 8.63 months cash reserves and 20 years at curent residence. | 07.21.2025 - Acknowledged by client. | 07.21.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrowers have occupied primary residence for 20 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post closing assets: $15,219.39 or 8.63 months. 6 months required. |
| 842134 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER5518 | Loan fails xxxxxx Minimum Equity requirement | No | Does not meet Minimum Equity of $40,000-total equity $xxxxxx.xxxxxx deems this non-material. Compensating factors; 774 FICO, Low DTI 20.24%, 5 years at current residence. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: At Current Residence for over 5 years<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: Positive Rental History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 229+ Months reporting |
| 842135 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide canceled checks (front & back) for the rental payments to the private landlord. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 785 qualifying score exceeds guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: $106,609.61 reserves in file or 40.46 months PITI > required guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: 48 months with 0x30 Mortgage payment history exceeds guidelines of 12 months |
| 842135 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Updated CU Score 3.3; Missing desk review to support appraisal value. | 6.20.25 DVR provided, please clear finding.6.20.25 exception satisfied | 6.20.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 785 qualifying score exceeds guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: $106,609.61 reserves in file or 40.46 months PITI > required guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: 48 months with 0x30 Mortgage payment history exceeds guidelines of 12 months |
| 842136 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has 22 years 4 months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxxxxx Comments: Co-Borrower has 8 years 4 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Reserves of 16 months PITIA is 10 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Qualifying FICO of 746 is 86 points above the 660 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: Qualifying DTI (Back) of 41.52% is 8.48% below the 50% allowed for the program. |
| 842137 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; xxxxxx status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR, xxxxxx status is QM Rebuttable APOR due to Benchmark Date xxxxxx, loan has a Test APR of 9.054%, the Benchmark rate was 6.880%, Variance 2.174%, max allowed 1.500%. | 7.9.25 Client response; We accept the determination on this and please clear the exception.7.9.25 xxxxxx memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon xxxxxxs review. | 7.9.25 xxxxxx memo; exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close reserves are $201,282.79, or 10 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Per VOE borrower has been on job since xxxxxx.<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: Borrower has never been 1X30 with history from 6/2013.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI of 48.22% is below guideline maximum of 50%. |
| 842137 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation receipt for LE xxxxxx and initial CD xxxxxx. | 7.8.25-Client provided LE issued xxxxxx, e-signed xxxxxx. Also provided CD issued xxxxxx, e-signed xxxxxx. Satisfied. | 7.8.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close reserves are $201,282.79, or 10 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Per VOE borrower has been on job since xxxxxx.<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: Borrower has never been 1X30 with history from xxxxxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI of 48.22% is below guideline maximum of 50%. |
| 842137 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation receipt for LE xxxxxx and initial CD xxxxxx. | 7.8.25-Client provided LE issued xxxxxx, e-signed xxxxxx. Also provided CD issued xxxxxx, e-signed xxxxxx. Satisfied. | 7.8.25-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close reserves are $201,282.79, or 10 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Per VOE borrower has been on job since xxxxxx.<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: Borrower has never been 1X30 with history from xxxxxx<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI of 48.22% is below guideline maximum of 50%. |
| 842137 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $10000.00. Discount point added on CD xxxxxx. Lender credits on LE xxxxxx were $2500.00 and removed on CD's. No documentation provided disclosing changes in file. Please provide either a COC or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 7.8.25-Client provided COC issued xxxxxx regards to lender credit reduction. This satisfies $2500.00 of the $10,000.00 Violation. Discount point added on CD xxxxxx is the remaining violation needing to be resolved.7.10.25-Client provided COC dated xxxxxx. Satisfied. | 7.10.25-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close reserves are $201,282.79, or 10 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Per VOE borrower has been on job since xxxxxx.<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: Borrower has never been 1X30 with history from xxxxxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI of 48.22% is below guideline maximum of 50%. |
| 842137 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Credit | Ability to Repay/Qualified Mortgage | Waived B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon xxxxxx review | No | File was delivered as QM: Safe Harbor. Client aggress to QM Rebuttable Presumption status based upon xxxxxx review, | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close reserves are $201,282.79, or 10 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Per VOE borrower has been on job since xxxxxx.<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: Borrower has never been 1X30 with history from xxxxxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI of 48.22% is below guideline maximum of 50%. |
| 842140 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close reserves are $226,692.62, or 55.13 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Per CPA borrower has been in business for 5 years.<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: Borrower has never been 1X30 with history from xxxxxx. |
| 842141 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close reserves are $59,313.59, or 18.57 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 605 is below guideline maximum of 80% for an xxxxxx cash out refinance with a 679 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Per CPA borrower has been in business since xxxxxx. |
| 842143 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - xxxxxx Comments: Great Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: 66+ Months reporting positive<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 157+ Months reporting |
| 842145 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide PCCD with correct closing/ disbursement date,CD issued xxxxxx reflects prepaid int. starts on xxxxxx. | 7.8.25-Client provided PCCD issued xxxxxx-Sent for second review CN-1607.7.9.25-Satisfied CN-1607. | 7.9.25-Satisfied CN-1607. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrowers have stable employment being self-employed with same company for the past 10+ years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 765 qualifying score exceeds guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: $82,659.15 reserves in file or 11.86 months PITI > required guidelines |
| 842145 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide confirmation of receipt for CD issued xxxxxx. | 7.3.25-Client provided CD issued xxxxxx, e-signed xxxxxx. Satisfied. | 7.3.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrowers have stable employment being self-employed with same company for the past 10+ years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 765 qualifying score exceeds guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: $82,659.15 reserves in file or 11.86 months PITI > required guidelines |
| 842145 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Provide PCCD, LOX, Copy of tolerance check in the amount of $175.00 and proof of delivery via tracking method within 60 days of consummation. Due to addition of inspection fee not disclosed within 3 business days of invoice in file dated xxxxxx. Fee was disclosed xxxxxx. | 7.9.25-Client provided attestation via Email , sent for second review CN-1607.7.9.25-Satisfied-CN-1607 | 7.9.25-Satisfied-CN-1607 | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrowers have stable employment being self-employed with same company for the past 10+ years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 765 qualifying score exceeds guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: $82,659.15 reserves in file or 11.86 months PITI > required guidelines |
| 842145 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months canceled checks (front & back) for the rental payments made to xxxxxx. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrowers have stable employment being self-employed with same company for the past 10+ years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 765 qualifying score exceeds guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: $82,659.15 reserves in file or 11.86 months PITI > required guidelines |
| 842146 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | A | A D | A | A D | A | A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing the required Condo Questionnaire in file. | 6.18.25 Condo questionnaire provided6.18.25 exception satisfied | 6.18.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: 4 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 747 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: 317 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 164 months of 0x30 consumer credit history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: 156.08 months of reserves in file using 70% of retirement. |
| 842149 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Missing HUD-1 from sale of property at xxxxxx | 6.20.2025-Client's response: xxxxxxFinal settlement statement for xxxxxx has been provided, please clear finding.6.20.2025-xxxxxx's response: Received the HUD1, exception satisfied. | 6.20.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 716 Credit score exceeds minimum required per lender guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: 47 months mortgage payment history exceeds minimum required per lender guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 85% LTV is below maximum allowable of 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: verified cash reserves exceed minimum required per lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI below max of 50% per lender guidelines |
| 842150 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Reserves of 113 months PITIA is 107 months greater than the 6 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has 30 years 5 months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 60% is 20% below the 80% LTV allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Qualifying FICO of 737 is 77 points above the 660 FICO required for the program.<br>CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has 40 years at current residence. |
| 842153 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: Mortgage payment history reviewed for 33 months exceeds the required 12 months<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV 75% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score 686 exceeds the minimum of 660<br>CFCFS2854: Significant time in profession<br> - xxxxxx Comments: 16 years in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash Reserves $98255.89, 22.49 months reserves, 6 months required |
| 842154 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - xxxxxx Comments: Co-Borrower has been self employed for 7.5 years<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV is 44%, max allowed per G/L is 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Qualifying FICO is 811, minimum required per G/L is 660<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI is 16.50%, max allowed per G/ is 50% |
| 842155 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A D C | D | A D C | D | A D C | D | A D C | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing B2 YTD paystubs and 2 years W2 required by guidelines. | 7.06.2025-Client's response: xxxxxx1 full year required for this loan, paystub and W2 provided. Please clear finding.7.06.2025-xxxxxx's response: Received the paystub, and W2. File contains Tax Transcripts, exception is satisfied. | 7.06.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 39.31% is below guideline maximum of 80% for an xxxxxx cash out refinance with a 790 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Per state registry borrower has been in business since xxxxxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close reserves are $585,148.35, or 136.11 months. 6 months required. |
| 842155 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A D C | D | A D C | D | A D C | D | A D C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Need confirmation of receipt for initial CD xxxxxx. | 7.7.25-Client provided CD issued xxxxxx, e-signed xxxxxx. Satisfied. | 7.7.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 39.31% is below guideline maximum of 80% for an xxxxxx cash out refinance with a 790 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Per state registry borrower has been in business since xxxxxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close reserves are $585,148.35, or 136.11 months. 6 months required. |
| 842155 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A D C | D | A D C | D | A D C | D | A D C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Need confirmation of receipt for initial CD xxxxxx. | 7.7.25-Client provided CD issued xxxxxx, e-signed xxxxxx. Satisfied. | 7.7.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 39.31% is below guideline maximum of 80% for an xxxxxx cash out refinance with a 790 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Per state registry borrower has been in business since xxxxxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close reserves are $585,148.35, or 136.11 months. 6 months required. |
| 842155 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A D C | D | A D C | D | A D C | D | A D C | D | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing B2 YTD paystubs and 2 years W2 required by guidelines. | 7.06.2025-Client's response: xxxxxx1 full year required for this loan, paystub and W2 provided. Please clear finding.7.06.2025-xxxxxx's response: Received the paystub, and W2. File contains Tax Transcripts, exception is satisfied. | 7.06.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 39.31% is below guideline maximum of 80% for an xxxxxx cash out refinance with a 790 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Per state registry borrower has been in business since xxxxxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close reserves are $585,148.35, or 136.11 months. 6 months required. |
| 842157 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A D C | D | A D C | D | A D C | D | A D C | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing xxxxxx November 2024 Business Bank Statement (Unable to accurately calculate Income with 11 Months Statements) | 7.9.25 please find the nov bank stmt7.12.25 exception satisfied | 7.12.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxxxxx Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 92+ Months reporting positive<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: 56+ Months reporting |
| 842157 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A D C | D | A D C | D | A D C | D | A D C | D | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing Additional Asset Statement to evidence $36504.52 in xxxxxx | 7.9.25 Missing Additional Asset Statement to evidence $36504.52 in xxxxxx provided. 7.12.25 exception satisfied | 7.12.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxxxxx Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 92+ Months reporting positive<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: 56+ Months reporting |
| 842157 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A D C | D | A D C | D | A D C | D | A D C | D | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Guidelines require 6 months in reserves. File has 3.68 months in reserves. | 7.9.25 Missing Additional Asset Statement to evidence $36504.52 in xxxxxx provided. 7.12.25 exception satisfied | 7.12.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxxxxx Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 92+ Months reporting positive<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: 56+ Months reporting |
| 842157 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A D C | D | A D C | D | A D C | D | A D C | D | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing xxxxxx November 2024 Business Bank Statement (Unable to accurately calculate Income with 11 Months Statements) | 7.9.25 please find the nov bank stmt7.12.25 exception satisfied | 7.12.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxxxxx Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 92+ Months reporting positive<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: 56+ Months reporting |
| 842158 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxxxxx Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close reserves are $707,255.70, or 55.48 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 59.70% is below guideline maximum of 90% for an xxxxxx purchase with a 761 credit score<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI of 30.26% is below guideline maximum of 50%. |
| 842159 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A D | D | A D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing required income documentation. 12 months Business bank statements xxxxxx verifying total deposits in the amount of $125,311.87. May 2024 thru April 2025. | 6.23.2025 Client responded - uploaded the income assets.6.23.2025 Client provided 12 bank statements from xxxxxx verifying all deposits. Exception satisfied | 6.23.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: 6 months cash reserves required. Verified 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score of 766 exceeds 660 minimum required per lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI is below maximum allowable of 50% per lender guidelines |
| 842159 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A D | D | A D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt for LE issued xxxxxx & CD issued xxxxxx. | 6.23.25-Only docs received are asset documents. No LE or CD have been received. Please re-send.7.1.25-Client provided LE issued xxxxxx & CD issued xxxxxx. Both are e-signed on date of issuance. Satisfied. | 7.1.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: 6 months cash reserves required. Verified 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score of 766 exceeds 660 minimum required per lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI is below maximum allowable of 50% per lender guidelines |
| 842159 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A D | D | A D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt for LE issued xxxxxx & CD issued xxxxxx. | 6.23.25-Only docs received are asset documents. No LE or CD have been received. Please re-send.7.1.25-Client provided LE issued xxxxxx & CD issued xxxxxx. Both are e-signed on date of issuance. Satisfied. | 7.1.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: 6 months cash reserves required. Verified 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score of 766 exceeds 660 minimum required per lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI is below maximum allowable of 50% per lender guidelines |
| 842159 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A D | D | A D | D | A D | D | A | Credit | Income/Employment | Satisfied D A | CRDINC2302 | Missing Required Income Documentation | No | Missing required income documentation. 12 months Business bank statements xxxxxx verifying total deposits in the amount of $125,311.87. May 2024 thru April 2025. | 6.23.2025 Client responded - income statements uploaded.6.23.2025 Client provided 12 bank statements from xxxxxx verifying all deposits. Exception satisfied | 6.23.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: 6 months cash reserves required. Verified 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score of 766 exceeds 660 minimum required per lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI is below maximum allowable of 50% per lender guidelines |
| 842160 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A D | D | A D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing complete 12 month bank statements to calculated income | 7.2.25 uploaded 12 mo bank stmts.7.3.25 exception satisfied | 7.3.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Verified 22.43 months reserves<br>CFCFS2860: Good credit history<br> - xxxxxx Comments: Overall good credit history<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has owned own business since xxxxxx |
| 842160 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A D | D | A D | D | A D | D | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing complete 12 months bank statements for xxxxxx account xxxxxx. Income used is lender calculation; Income may change when statements are received. | 7.2.25 uploaded 12 mo bank stmts.7.3.25 exception satisfied | 7.3.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Verified 22.43 months reserves<br>CFCFS2860: Good credit history<br> - xxxxxx Comments: Overall good credit history<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has owned own business since xxxxxx |
| 842161 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A D | D | A D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing 12 months Business Bank Statements in file to verify the income, complete the ATR/QM review, and render an accurate ATR/QM status. | 7.9.25 please find the 12 mo bank stmts7.10.25 exception satisfied | 7.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has 22 years 6 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Reserves of 83 months PITIA is 77 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Qualifying FICO of 745 is 85 points above the 660 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 23.81% is 56.19% below the 80% LTV allowed for the program. |
| 842161 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A D | D | A D | D | A D | D | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing 12 months Business Bank Statements in file to support the income amount. | 7.9.25 please find the 12 mo bank stmts7.10.25 exception satisfied | 7.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has 22 years 6 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Reserves of 83 months PITIA is 77 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Qualifying FICO of 745 is 85 points above the 660 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 23.81% is 56.19% below the 80% LTV allowed for the program. |
| 842161 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A D | D | A D | D | A D | D | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing 12 months Business Bank Statements in file to verify the income. | 7.9.25 please find the 12 mo bank stmts7.10.25 exception satisfied | 7.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has 22 years 6 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Reserves of 83 months PITIA is 77 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Qualifying FICO of 745 is 85 points above the 660 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 23.81% is 56.19% below the 80% LTV allowed for the program. |
| 842163 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B D A | C | B D A | C | B D A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation of receipt for initial CD xxxxxx. | 6.27.25-Client provided CD issued xxxxxx, e-signed xxxxxx. Satisfied. | 6.27.25-Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has 5 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has 16 years 6 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Qualifying FICO of 745 is 45 points above the 700 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: Qualifying DTI (Back) of 29.74% is 20.26% below the 50% allowed for the program. |
| 842163 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B D A | C | B D A | C | B D A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for initial CD xxxxxx. | 6.27.25-Client provided CD issued xxxxxx, e-signed xxxxxx. Satisfied. | 6.27.25-Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has 5 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has 16 years 6 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Qualifying FICO of 745 is 45 points above the 700 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: Qualifying DTI (Back) of 29.74% is 20.26% below the 50% allowed for the program. |
| 842163 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B D A | C | B D A | C | B D A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3646 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | 10 tolerance fail for $33.00. Recording fees increased from LE xxxxxx to $67 on final CD xxxxxx. No COC provided disclosing increase in fee to borrower. Lender provide a $1.00 cure. Remainder of $33.00 owed to borrower. Please provide either a COC disclosing increase to borrower or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 6.27.25-Client provided Multiple COC's. Satisfied. | 6.27.25- Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has 5 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has 16 years 6 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Qualifying FICO of 745 is 45 points above the 700 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: Qualifying DTI (Back) of 29.74% is 20.26% below the 50% allowed for the program. |
| 842163 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B D A | C | B D A | C | B D A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $19314.50 due to reduction in lender credits and addition of extension fee. Lender credits were $17655.00 on initial LE and were reduced to $1.00 on final CD xxxxxx. $1.00 put towards 10% cure. Extension fee was added on LE xxxxxx for $1636.00 and was $1660.50 on final CD xxxxxx. No COC was provided disclosing changes in fees to borrower. Please provide either a COC or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 6.27.25-Client provided Multiple COC's. Satisfied. | 6.27.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has 5 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has 16 years 6 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Qualifying FICO of 745 is 45 points above the 700 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: Qualifying DTI (Back) of 29.74% is 20.26% below the 50% allowed for the program. |
| 842163 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B D A | C | B D A | C | B D A | C | B | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Subordination Agreement in file indicates the Note being subordinated is in the sum of xxxxxx; whereas the Note in file to be subordinated is in the sum of xxxxxx. | 7.14.25 Recorded Subordination showing $200,000 has been provided, please clear finding.7.15.25 exception satisfied | 7.15.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has 5 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has 16 years 6 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Qualifying FICO of 745 is 45 points above the 700 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: Qualifying DTI (Back) of 29.74% is 20.26% below the 50% allowed for the program. |
| 842163 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B D A | C | B D A | C | B D A | C | B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | CU Score is 2.8. Missing updated valuation in file. | 6.27.2025 Client responded - CDA provided, please clear finding.6.27.2025 Client provided the Desk review supporting value. Exception satisfied | 6.27.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has 5 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has 16 years 6 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Qualifying FICO of 745 is 45 points above the 700 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: Qualifying DTI (Back) of 29.74% is 20.26% below the 50% allowed for the program. |
| 842164 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: Median FICO 741 > 81 points above guideline program minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 85% LTV for Subject Property is below guideline max LTV of 90%<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has significant time at current job, 35 years and 5 months. |
| 842165 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | Maximum LTV 65%, Current LTV 66.3% | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Reserves 0 months required, borrower has 8.55 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: 12 Month payment history required, credit reports 20 months<br>CFCFS1739: Postive mortgage payment history<br> - xxxxxx Comments: Credit reports no late payments in 20 months |
| 842166 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Need evidence of change of circumstances letter for Zero tolerance, (Transfer Taxes Aggregate $96.80) increase. or a copy of a refund check in the amount of $61.60. Lender Credit $35.20 issued on final CD is insufficient. | 7.7.25-Client provided COC, Satisfied. | 7.7.25-Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Reserves of 36 months PITIA is 30 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Qualifying FICO of 722 is 42 points above the 680 FICO required for the program.<br>CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has 12 years at current residence.<br>CFCFS2854: Significant time in profession<br> - xxxxxx Comments: Borrower has 25 years in profession.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: Qualifying DTI (Back) of 26.45% is 23.55% below the 50% allowed for the program. |
| 842168 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxxxxx Comments: Borrower has 10 years in profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Reserves of 9 months PITIA vs 0 months reserves required. |
| 842172 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | State Consumer Protection | Waived B | CMPSTCP115 | xxxxxx CSPA; Closing Disclosure not provided at closing | No | Missing xxxxxx CSPA Closing Disclosure. Please provide. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: $70,595.36 reserves in file or 47.94 months PITI > required guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 765 qualifying score exceeds guideline minimum of 660<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI 8.84% < guideline maximum |
| 842172 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | State Consumer Protection | Waived B | CMPSTCP118 | xxxxxx CSPA; Home Mortgage Information disclosure not timely | No | Initial application date is xxxxxx. xxxxxx Home Mortgage Information is dated xxxxxx. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: $70,595.36 reserves in file or 47.94 months PITI > required guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 765 qualifying score exceeds guideline minimum of 660<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI 8.84% < guideline maximum |
| 842172 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance fail for $595.00 due to decrease in Lender Credits from $810.00 on LE xxxxxx to $215.00 on CD xxxxxx. No COC provided disclosing reduction in credit to borrower. Please provide either COC or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 6.26.25-Client provided COC issued xxxxxx. Satisfied. | 6.26.25- Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: $70,595.36 reserves in file or 47.94 months PITI > required guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 765 qualifying score exceeds guideline minimum of 660<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI 8.84% < guideline maximum |
| 842172 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | File does not meet number of tradelines per the guidelines; Borrower has 2 open trades with high credit of $4,000. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: $70,595.36 reserves in file or 47.94 months PITI > required guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 765 qualifying score exceeds guideline minimum of 660<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI 8.84% < guideline maximum |
| 842173 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A C | C | A C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide receipt for CD dated xxxxxx. | 6.16.25-Client provided CD issued xxxxxx. e-signed xxxxxx. Satisfied. | 6.16.25-Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has significant time at current job, 19 years and 8 months.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: 21.51% DTI below guideline requirement of 55% with max 80% LTV.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 150 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 842173 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A C | C | A C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide receipt for CD dated xxxxxx. | 6.16.25-Client provided CD issued xxxxxx. e-signed xxxxxx. Satisfied. | 6.16.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has significant time at current job, 19 years and 8 months.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: 21.51% DTI below guideline requirement of 55% with max 80% LTV.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 150 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 842173 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A C | C | A C | C | A C | C | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Lender to provide updated HOI with effective date of closing date of xxxxxx. | 6.26.25 Effective date has been corrected, please clear finding.6.27.25 exception satisfied | 6.27.25 exception satisfied | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has significant time at current job, 19 years and 8 months.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: 21.51% DTI below guideline requirement of 55% with max 80% LTV.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 150 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 842174 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | A | A D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA to support Appraisal Value; CU score 4.5 | 7.7.25 DVR provided, please clear finding.7.10.25 exception satisfied | 7.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrowers have owned primary / current residence for 16+ years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has stable employment being self-employed with same company for the past 30+ years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 721 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: $439,872.70 reserves in file or 77.46 months PITI > required guidelines |
| 842175 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5%. | No | Per xxxxxx guidelines Section 6.10 (g), multiple 150+ mortgage lates is considered in foreclosure. xxxxxx guidelines allow for foreclosure in the mortgage history. If settled less than 1 year prior, LTV is limited to 70%. Subject LTV = 71.40%. Exception deemed non-material / non-fatal to the lending decision. Grade =2/B. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 98+ Months reporting<br>CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: 5+ years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit Score is 686 |
| 842177 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Credit | DTI | Waived B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Max DTI is 43% and Current DTI is 47.08. xxxxxx deems this non-material due to the following compensating factors: 6+ months reserves DTI , 75% LTV, Fico 766, 16 tradelines, 44 years of monthly payments, 30 years at current address, 528 months 0 x 30 and buying a home near final. | 08.04.25 - Acknowledged by client. | Exception has been deemed non-material and re-graded to a B.08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: 112 Months Reserves<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: 99 Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 323+ Months reporting |
| 842177 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Missing Hazard Declarations Page | 6.18.25 HOI provided, please clear finding.6.18.25exception satisfied | 6.18.25exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: 112 Months Reserves<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: 99 Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 323+ Months reporting |
| 842177 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | CU Score is 2.6 and Missing Additional Third Party Valuation | 6.18.25 CDA provided, please clear finding.6.18.25 exception satisfied | 6.18.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: 112 Months Reserves<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: 99 Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 323+ Months reporting |
| 842179 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER5518 | Loan fails xxxxxx Minimum Equity requirement | No | Loan amount does not meet minimum equity requirement of $40,000; equity is $xxxxxx. Value is xxxxxx / Sales Price xxxxxx; Loan amount is xxxxxx. Short $10k on 40K equity requirement. xxxxxx considers this as non-material due to the following compensating factors - Fico and length of time at job. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 700 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: $49,828.50 reserves in file or 17.52 months PITI > required guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has stable employment being self-employed in the same field for the past 7+ |
| 842180 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 698 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: $9,542.83 reserves in file or 7.75 months PITI > required guidelines<br>CFCFS2854: Significant time in profession<br> - xxxxxx Comments: Borrower has stable employment with current employer for the past 5+ years |
| 842182 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close reserves are $450,287.84, or 68.43 months. Reserves not required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Per CPA borrower has been in business since xxxxxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI of 42.26% is below guideline maximum of 55%. |
| 842183 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt for Initial CD xxxxxx at least 3 business days prior to closing. | 6.18.25-Client provided CD issued xxxxxx, e-signed xxxxxx. Satisfied. | 6.18.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 50.26% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: 14.17% DTI below guideline requirement of 55%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has significant time at current job, 6 years and 6 months. |
| 842183 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt for Initial CD xxxxxx at least 3 business days prior to closing. | 6.18.25-Client provided CD issued xxxxxx, e-signed xxxxxx. Satisfied. | 6.18.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 50.26% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: 14.17% DTI below guideline requirement of 55%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has significant time at current job, 6 years and 6 months. |
| 842183 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months canceled checks (front & back) for xxxxxx-Private Mortgage. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 50.26% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: 14.17% DTI below guideline requirement of 55%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Borrower has significant time at current job, 6 years and 6 months. |
| 842184 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV is 80%, max allowed per G/L is 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Reserves required $8,625.67 X 6 = $51,754.02. Verified post clsg reserves $90,827.69 or 10.52 months PITI<br>CFCFS2854: Significant time in profession<br> - xxxxxx Comments: Borrower has been in the same profession for 20+ years |
| 842187 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A D C | D | A D C | D | A D C | D | A D C | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing 12 months xxxxxx statements:xxxxxx used to calculate income. | 7.17.2025-Client's response: July 14th 2025, 12:52:20 xxxxxx statements provided for account xxxxxx & xxxxxx, please clear finding.7.17.2025-Client's response: July 14th 2025, 12:52:20 xxxxxx statements provided for account xxxxxx & xxxxxx, please clear finding.7.17.2025-xxxxxx's response: Received the business bank statements for both business accounts, exception is satisfied. | 7.17.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Per CPA borrower has been in business since xxxxxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 75% is below guideline maximum of 90% for an xxxxxx purchase with a 715 credit score.<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: Borrower has never been 1X30 with history from xxxxxx. |
| 842187 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A D C | D | A D C | D | A D C | D | A D C | D | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Provide statements for: xxxxxx | 7.17.2025-Client's response: July 14th 2025, 12:53:20 xxxxxx Requested bank statements provided, please clear finding.7.17.2025-xxxxxx's response: Received the April 2025 bank statements for all accounts, exception is satisfied. | 7.17.2025-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Per CPA borrower has been in business since xxxxxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 75% is below guideline maximum of 90% for an xxxxxx purchase with a 715 credit score.<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: Borrower has never been 1X30 with history from xxxxxx. |
| 842187 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A D C | D | A D C | D | A D C | D | A D C | D | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing 12 months xxxxxx CU statements:xxxxxx used to calculate income. | 7.17.2025-Client's response: July 14th 2025, 12:52:20 xxxxxx statements provided for account xxxxxx & xxxxxx, please clear finding.7.17.2025-Client's response: July 14th 2025, 12:52:20 xxxxxx statements provided for account xxxxxx & xxxxxx, please clear finding.7.17.2025-xxxxxx's response: Received the business bank statements for both business accounts, exception is satisfied. | 7.7.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Per CPA borrower has been in business since xxxxxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 75% is below guideline maximum of 90% for an xxxxxx purchase with a 715 credit score.<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: Borrower has never been 1X30 with history from xxxxxx. |
| 842187 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A D C | D | A D C | D | A D C | D | A D C | D | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value of xxxxxx. | 7.17.2025-Client's response: xxxxxx Appraisal CU provided, please clear finding.7.17.2025-xxxxxx's response: Received the UCDP with a score of 1.9, exception is satisfied. | 7.17.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Per CPA borrower has been in business since xxxxxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 75% is below guideline maximum of 90% for an xxxxxx purchase with a 715 credit score.<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: Borrower has never been 1X30 with history from xxxxxx |
| 842188 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; xxxxxx status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe Harbor APOR; xxxxxx status is QM Rebuttable APOR due to: Benchmark Date xxxxxx; loan has a Test APR of 8.996%; the Benchmark Rate was 6.930%; Variance 2.066%; Max allowed is 1.5000% | 7.10.25 Client agreed to QM rebuttable stat | 7.1025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 673 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: 28 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 87 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: 32.02 months of reserves in file. |
| 842188 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing all 12 months of required business bank statements from xxxxxx account xxxxxx 5/2024-4/2025. Lender approved with 12 months business statement per bank summary in file. | 7.9.25 please find the LOE and bank stmts, per borrower they changed banks in 1/20257.10.25 exception satisfied | 7.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 673 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: 28 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 87 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: 32.02 months of reserves in file. |
| 842188 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A | Credit | Ability to Repay/Qualified Mortgage | Waived B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon xxxxxx review | No | Client agreed to QM rebuttable status based upon xxxxxx review. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 673 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: 28 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 87 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: 32.02 months of reserves in file. |
| 842188 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing all 12 months of required business bank statements from xxxxxx account xxxxxx 5/2024-4/2025. Lender approved with 12 months business statement per bank summary in file. | 7.9.25 please find the LOE and bank stmts, per borrower they changed banks in 1/20257.10.25 exception satisfied | 7.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 673 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: 28 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 87 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: 32.02 months of reserves in file. |
| 842188 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing the required CDA desk review or CU score to support the original appraisal value in file. | 7.9.25 CU uploaded please clear.7.10.25 exception satisfied | 7.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 673 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: 28 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 87 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: 32.02 months of reserves in file. |
| 842189 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | Assets | Waived B | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | xxxxxx requires first time homebuyers must contribute 5% into the transaction when they receive a gift. Borrower did not contribute the 5%. xxxxxx deems this non-material. Compensating factors FICO 801, 8 years at current residence, 173 months in reserves. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: $270,756.63 reserves in file or 156.20 months PITI > required guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 801 qualifying score exceeds guideline minimum of 660<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 63.49% LTV < guideline maximum of 80% |
| 842189 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months of canceled checks (front & back) for the rental payments to xxxxxx. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: $270,756.63 reserves in file or 156.20 months PITI > required guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 801 qualifying score exceeds guideline minimum of 660<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 63.49% LTV < guideline maximum of 80% |
| 842290 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | xxxxxx | 7.10.25 LOE provided stating no HOI and HOA, uploaded copy of taxes.7.10.25 exception satisfied | 7.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close reserves are $325,702.83, or 17.95 months. 3 months required.<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: Borrower has never been 1X30 with history from xxxxxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI of 40.62% is below guideline maximum of 50%. |
| 842290 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 75% exceeds guideline maximum of 70%. xxxxxx deems this non-material. Compensating factors; FICO 740, 17 months in reserves, seasoned investors. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close reserves are $325,702.83, or 17.95 months. 3 months required.<br>CFCFS1739: Positive mortgage payment history<br> - xxxxxx Comments: Borrower has never been 1X30 with history from xxxxxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI of 40.62% is below guideline maximum of 50%. |
| 842291 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: Borrower has occupied the primary residence for 30 years<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV is 75%, max allowed per G/L is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Reserves required $3280.71 X 6 = $19,684.26 . Cash to borrower $198,690.17 or 60.57 months PITI<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI is 21.14%, max allowed per G/L is 50% |
| 842292 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing Underwriter Income Calculator Worksheets. Unable to accurately calculate Income, unknown which statements were used in calculation and Expense factor used. | 7.14.25please find the income worksheet7.14.25 exception satisfied | 7.14.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxxxxx Comments: Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: 43+ Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 169+ Months reporting |
| 842293 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 152 Months Consumer reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: 99+ Months reporting<br>CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: 8+ Years at current residence |
| 842294 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 6.26.2025-Client's response: xxxxxx Final settlement statement provided, please clear finding.6.26.2025-xxxxxx's response: Received the Final HUD1, exception is satisfied. | 6.26.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close reserves are $96,390.76, or 30.75 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: Per state registry borrower has been in business since xxxxxx.<br>CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: In residence 7 years. |
| 842295 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | 12 months of business bank statement required for proof of self-employment income. File contain 11 of the 12 months required. Missing xxxxxx statement. | 7.7.2025 Client responded - Requested document provided, please clear finding.7.7.2025 Client provided the April statement requested. Exception satisfied | 7.7.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 778 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - xxxxxx Comments: 18 years living at primary residence.<br>CFCFS1734: Borrower has significant time at current job<br> - xxxxxx Comments: 20.6 years employed with xxxxxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: 164 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: 69.23 months of reserves in file. |
| 842296 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | Missing Rent Loss Coverage | 6.29.25 EOI provided, please clear finding.6.30.25 exception satisfied | 6.30.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - xxxxxx Comments: 232+ Months reporting<br>CFCFS2860: Good credit history<br> - xxxxxx Comments: Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxxxxx Comments: 19+ Months reporting |
| 842588 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Complete insurance declarations page to verify subject insurance coverage missing from loan file. | 7.29.25 Upload the Insurance dec coverage xxxxxx 7.31.25 exception satisfied | 7.31.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: CLTV is 63.7923%; guidelines allow 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Borrower has $349,824.23/81.00 PITIA which is > guideline minimum of 0 months.<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI 30.96% is below the guideline minimum of 50%. |
| 842676 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close assets are $107,768.20 or 20.60 months PITI. No reserves are required.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV > 20 points below guideline maximum |
| 842708 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR1939 | Appraiser License for Incorrect State | No | Missing appraiser license for completed appraisal. Appraiser's license in file is for the Short Term Rental 1007 completed. | 9-12-25 Client uploaded appraisal. | 9-12-25 Appraiser license provided with appraisal. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash Reserves $94,948.76 or 7.53 months reserves, 6 months required,<br>CFCFS1750: High potential for increased earnings<br> - xxxxxx Comments: DSCR: 1.3214 (Rent $16666 / Expenses $12612.02) |
| 842708 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR100 | Missing Appraisal | No | Provide appraisal for subject transaction | 7-24-24 Client uploaded appraisal. | 7-24-24 xxxxxx reviewed appraisal and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash Reserves $94,948.76 or 7.53 months reserves, 6 months required,<br>CFCFS1750: High potential for increased earnings<br> - xxxxxx Comments: DSCR: 1.3214 (Rent $16666 / Expenses $12612.02) |
| 842708 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation to support original appraised value. | 7-24-25 Client uploaded CDA. | 7-24-25 xxxxxx reviewed CDA and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Cash Reserves $94,948.76 or 7.53 months reserves, 6 months required,<br>CFCFS1750: High potential for increased earnings<br> - xxxxxx Comments: DSCR: 1.3214 (Rent $16666 / Expenses $12612.02) |
| 842716 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing market rent analysis, xxxxxx rent schedule (xxxxxx Form 1007) to complete xxxxxx, use of rental income to offset mortgage payment. | 7.29.25 attached the 1007 requested8.1.25 exception satisfied | 8.1.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post closing cash reserves of $235,733.00, 13.87 months, 6 months PITIA required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score of 738 is 18 points above minimum program requirement of 720.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV is 80%; guidelines allow 90%. |
| 842716 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Guidelines require for P&L Income Statement Only that CPA must attest they have completed or filed the borrower's most recent business tax return. CPA letter in file only states tax returns were reviewed, not completed or filed.xxxxxx considers this as non material, borrower has been self employed for 10 years, has 38 months reserves, LTV of 80%, and credit score of 738/720. | 08/05/2025 - Acknowledged by client. | 08/05/2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post closing cash reserves of $235,733.00, 13.87 months, 6 months PITIA required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score of 738 is 18 points above minimum program requirement of 720.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV is 80%; guidelines allow 90%. |
| 842756 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | Credit | Application | Waived D B | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Provide non-immigrant visa, which is required with the passport, per guidelines dated xxxxxx. | 7-22-25 Client responded: This is a regular xxxxxx foreign national loan. Id meets guidelines attached is xxxxxx - Acknowledged by client. | 7-23-25 xxxxxx reviewed explanation and xxxxxx Foreign National Matrix dated xxxxxx from xxxxxx Consolidated Matrix which states: Residency/Visa : Passport + nonimmigrant visa required. xxxxxx deems non-material/non-fatal to lending decision as this is a new requirement and the following compensating factors: 14.71 months cash reserves/6 months required, LTV 48.54%/max is 75%, and down payment of $264,999/$128,750 minimum required. Non-material Exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of 48.54 is below guideline requirement max of 75.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Verified reserves of $38,516.17 or 14.71 months PITI reserves exceed required reserves of ($2,617.75 x 6 = $15,706.50).<br>CFCFS3824: Borrower contributed an additional down payment<br> - xxxxxx Comments: Borrower contributed an additional $136,249 above the required $128,750 down payment for a total down payment of $264,999. |
| 843003 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score of743 is above the required680<br>CFCFS1744: DTI below guideline requirement<br> - xxxxxx Comments: DTI of37.45 is below the maximum allowable 50%.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: LTV of19.826 / CLTV 56.535 is below the maximum allowable of 85%. |
| 843165 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close assets are$223,035.02 or 119 months PITI. No reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score > 100 points above guideline minimum |
| 843168 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close assets are$259,823.80 or 126 months PITI. No reserves are required<br>CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score > 100 points above guideline minimum |
| 843823 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing 2 months business bank statements as required when using personal bank statements with 0% expense factor. Business bank statements must reflect business activity and transfers to the personal account. | 8-6-25 Client uploaded bank statements. | 8-7-25 xxxxxx reviewed bank statements. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: 704 mid-score per CBR. 660 minimum.<br>CFCFS1737: LTV below guideline requirements<br> - xxxxxx Comments: 70% LTV per review; 90% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: 92.98 months of reserves in file. 0 months required. |
| 844375 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount | No | Final CD has a total payment of $xxxxx, but system calculated $1,788,421.68. Difference of -$245.50 under disclosed. | 08/05/2025 - Post Close CD provided by the client. The total payments on the CD-xxxxxx, the total payments equal $1,788,391.68. xxxxxx value is stated as $xxxxxx. The difference is overstated by $30.00. With respect to the updated CD, the $30 could represent the $30 wire fee that was removed on CD-xxxxxx which could represent the $30 difference.xxxxxx Upon further xxxxxx review, exception can be satisfied with PCCD xxxxxx. | 08/08/2025 - Exception remains.08/13/2025 - Exception satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxxxxx Comments: Credit score > 100 points above guideline minimum<br>CFCFS2854: Significant time in profession<br> - xxxxxx Comments: 10 year in profession |
| 844858 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing HUD-1. | 8/25/25 Client provided final CD. | 8/25/25 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close assets are $9,552.49 or 4.5 months PITIA. No reserves are required. |
| 844897 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing HUD-1. | 8/25/25 Client provided Final HUD. | 8/25/25 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close assets are $76,053.69 or 13.5 months PITI. No reserves are required. |
| 844897 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | LTV/CLTV | Satisfied C A | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 75% is greater than guideline maximum 70% for cash out refinance with DSCR >1.00. | 8/25/25 Client response "Our matrix allows up to 75% LTV for DSCR1 and DSCR2 cash-out, as long as: 1. DSCR is over 1.0 (subject loan has DSCR of 1.061); 2. Credit score over 720 (borrower has 756)". | 8/25/25 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxxxxx Comments: Post close assets are $76,053.69 or 13.5 months PITI. No reserves are required. |

---

## Exhibit 99.30

**EXHIBIT 99.30**

**clayton loan level tape compare upload**

---

| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2025-9 |
| **Start - End Dates:** | 4/2025 - 8/2025 |
| **Deal Loan Count:** | 82 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *42* |

---

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 831217 | Cash Reserves | 25138.58 | 118320.65 |
| 831217 | Min Number | XXXXXX | Missing |
| 831217 | Months Reserves | '-355.00 | 14.10 |
| 831217 | Product Type | 30/15 Fixed | 30 Yr Fixed |
| 838374 | Debt to Income Ratio (Back) | 441.3700 | 0.0000 |
| 838374 | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 838374 | Origination Date | XXXXXX | XXXXXX |
| 838374 | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 839537 | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 839651 | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 839882 | Months Reserves | 6.00 | 67.38 |
| 839882 | Property Type | SFR | Low Rise Condo (1-4) |
| 839908 | Cash Reserves | 204593.37 | 36994.48 |
| 839908 | Ever in Foreclosure | No | Not Applicable |
| 839908 | Months Reserves | 185.00 | 22.09 |
| 840047 | Borrower 2 First Name | XXXXXX | XXXXXX |
| 840047 | Months Reserves | 6.00 | 21.73 |
| 840047 | Next Payment Change Date | XXXXXX | XXXXXX |
| 840047 | Original Appraisal Date | 05/01/2025 | 04/30/2025 |
| 840047 | Product Type | 7/1 ARM | 7/6 ARM |
| 840051 | Cash Reserves | 124079.37 | 23972.41 |
| 840051 | Combined LTV | 61.11 | 70.00 |
| 840051 | Ever in Foreclosure | No | Not Applicable |
| 840051 | Product Type | 30 Yr Fixed Interest Only | 30 yr Fixed - 10 yr IO |
| 840603 | Cash Reserves | 550775.93 | 243818.15 |
| 840908 | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 840908 | Property Type | SFR | 4 Family |
| 841006 | Cash Reserves | 246084.00 | 58649.93 |
| 841006 | First Payment Date | XXXXXX | XXXXXX |
| 841006 | First Rate Change Date | XXXXXX | XXXXXX |
| 841006 | Maturity Date | XXXXXX | XXXXXX |
| 841006 | Months Reserves | 10.00 | 14.66 |
| 841006 | Next Payment Change Date | XXXXXX | XXXXXX |
| 841006 | Product Type | 30 Yr Fixed | 7/6 ARM |
| 841162 | Disbursement Date | XXXXXX | XXXXXX |
| 841531 | Credit Report Date | XXXXXX | XXXXXX |
| 841531 | Months Reserves | 190.00 | 45.91 |
| 841531 | Total Cash Out | 83555.25 | 82161.37 |
| 841535 | Total Cash Out | (4577.08) | 4577.08 |
| 841543 | Credit Report Date | XXXXXX | XXXXXX |
| 841543 | Disbursement Date | XXXXXX | XXXXXX |
| 841543 | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 841544 | Cash Reserves | 225128.00 | 53050.52 |
| 841544 | Combined LTV | 68.75 | 75.00 |
| 841544 | Documentation Type | Asset Depletion | Alt Doc/Bank Statements |
| 841544 | Months Reserves | 42.00 | 9.97 |
| 841547 | Months Reserves | 114.00 | 55.93 |
| 841548 | Cash Reserves | 131691.82 | 19060.03 |
| 841548 | Combined LTV | 66.16 | 70.00 |
| 841548 | Ever in Foreclosure | No | Not Applicable |
| 841548 | Months Reserves | 107.00 | 8.38 |
| 841548 | Original Appraisal Date | 05/01/2025 | 05/21/2025 |
| 841813 | Cash Reserves | 143609.52 | 17315.73 |
| 841813 | Combined LTV | 66.01 | 70.00 |
| 841813 | Ever in Foreclosure | No | Not Applicable |
| 841813 | Representative Credit Score for Grading | 680 | Not Applicable |
| 841820 | Cash Reserves | 111139.79 | 46688.74 |
| 841820 | Ever in Foreclosure | No | Not Applicable |
| 841820 | Original Appraisal Date | 06/01/2025 | 06/23/2025 |
| 841820 | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 841854 | Cash Reserves | 71403.00 | 15219.39 |
| 841854 | Ever in Foreclosure | No | Not Applicable |
| 841854 | Months Reserves | 73.00 | 8.63 |
| 842134 | DTI Qualifying (Back) | 20.0200 | 19.7000 |
| 842135 | DTI Qualifying (Back) | 47.0600 | 46.5200 |
| 842135 | DTI Qualifying (Front) | 18.85 | 18.86 |
| 842135 | Months Reserves | 43.00 | 41.60 |
| 842137 | DTI Qualifying (Back) | 46.5200 | 48.2200 |
| 842137 | DTI Qualifying (Front) | 41.56 | 42.96 |
| 842140 | DTI Qualifying (Back) | 45.0800 | 46.0100 |
| 842140 | DTI Qualifying (Front) | 31.96 | 32.61 |
| 842141 | DTI Qualifying (Back) | 23.5200 | 22.3500 |
| 842141 | DTI Qualifying (Front) | 20.27 | 19.99 |
| 842143 | DTI Qualifying (Back) | 38.3900 | 41.7700 |
| 842143 | DTI Qualifying (Front) | 13.53 | 12.78 |
| 842143 | Months Reserves | 31.00 | 34.06 |
| 842145 | DTI Qualifying (Back) | 13.1900 | 13.2100 |
| 842145 | DTI Qualifying (Front) | 11.73 | 11.74 |
| 842146 | Cash Reserves | 2055952.47 | 1379396.94 |
| 842146 | Disbursement Date | XXXXXX | XXXXXX |
| 842146 | Months Reserves | 232.00 | 156.08 |
| 842146 | Original Appraised Value | XXXXXX | XXXXXX |
| 842149 | DTI Qualifying (Back) | 37.7500 | 40.9000 |
| 842149 | DTI Qualifying (Front) | 19.01 | 18.75 |
| 842150 | Total Cash Out | 263524.99 | 263825.53 |
| 842153 | DTI Qualifying (Back) | 34.2700 | 36.1000 |
| 842153 | DTI Qualifying (Front) | 27.95 | 29.94 |
| 842153 | Total Cash Out | 98414.03 | 97647.75 |
| 842154 | Cash Reserves | 616332.62 | 406152.53 |
| 842154 | DTI Qualifying (Back) | 18.9600 | 19.2000 |
| 842154 | DTI Qualifying (Front) | 9.85 | 9.98 |
| 842154 | Months Reserves | 66.00 | 43.51 |
| 842154 | Property Type | Low Rise Condo (1-4) | Site Condo |
| 842155 | DTI Qualifying (Back) | 23.2800 | 18.7300 |
| 842155 | DTI Qualifying (Front) | 16.85 | 17.85 |
| 842157 | DTI Qualifying (Back) | 46.0600 | 45.2800 |
| 842157 | DTI Qualifying (Front) | 31.64 | 32.1 |
| 842158 | DTI Qualifying (Back) | 30.2600 | 30.2800 |
| 842158 | DTI Qualifying (Front) | 26.08 | 26.1 |
| 842159 | Disbursement Date | XXXXXX | XXXXXX |
| 842159 | DTI Qualifying (Back) | 38.4500 | 35.9000 |
| 842159 | DTI Qualifying (Front) | 38.41 | 35.9 |
| 842159 | Months Reserves | 11.00 | 12.11 |
| 842160 | DTI Qualifying (Back) | 32.7800 | 33.1600 |
| 842160 | DTI Qualifying (Front) | 12.18 | 12.37 |
| 842161 | Disbursement Date | XXXXXX | XXXXXX |
| 842161 | Original Appraised Value | XXXXXX | XXXXXX |
| 842163 | DTI Qualifying (Back) | 27.3800 | 29.7400 |
| 842163 | DTI Qualifying (Front) | 22.86 | 25.22 |
| 842164 | Disbursement Date | XXXXXX | XXXXXX |
| 842164 | DTI Qualifying (Back) | 48.6200 | 46.8000 |
| 842164 | DTI Qualifying (Front) | 29.2 | 27.82 |
| 842164 | Months Reserves | 16.00 | 18.39 |
| 842165 | DTI Qualifying (Back) | 37.1200 | 37.6300 |
| 842166 | DTI Qualifying (Back) | 26.7100 | 26.4500 |
| 842168 | Cash Reserves | '-215930.58 | 44965.38 |
| 842168 | Months Reserves | '-45.00 | 9.27 |
| 842172 | Disbursement Date | XXXXXX | XXXXXX |
| 842173 | Disbursement Date | XXXXXX | XXXXXX |
| 842173 | Total Cash Out | 344810.25 | 344781.93 |
| 842174 | DTI Qualifying (Back) | 42.0900 | 40.1400 |
| 842174 | DTI Qualifying (Front) | 25.31 | 25.28 |
| 842174 | Months Reserves | 73.00 | 77.46 |
| 842175 | DTI Qualifying (Back) | 49.3300 | 49.7700 |
| 842175 | DTI Qualifying (Front) | 47.24 | 45.38 |
| 842177 | DTI Qualifying (Back) | 46.6600 | 47.0800 |
| 842177 | DTI Qualifying (Front) | 41.42 | 41.79 |
| 842179 | DTI Qualifying (Back) | 28.2400 | 27.7900 |
| 842180 | DTI Qualifying (Back) | 49.9500 | 49.2700 |
| 842180 | DTI Qualifying (Front) | 32.8 | 33.05 |
| 842184 | DTI Qualifying (Back) | 51.6800 | 51.7200 |
| 842184 | DTI Qualifying (Front) | 40.67 | 40.7 |
| 842187 | Cash Reserves | 102988.43 | 32371.82 |
| 842187 | Disbursement Date | XXXXXX | XXXXXX |
| 842187 | DTI Qualifying (Back) | 42.4300 | 42.4200 |
| 842187 | Months Reserves | 12.00 | 3.81 |
| 842189 | Cash Reserves | 55362.31 | 301506.63 |
| 842189 | Months Reserves | 31.00 | 173.94 |
| 842290 | DTI Qualifying (Back) | 39.8400 | 40.6300 |
| 842290 | DTI Qualifying (Front) | 3.68 | 2.83 |
| 842290 | Total Cash Out | 327146.37 | 325702.83 |
| 842291 | DTI Qualifying (Back) | 21.4300 | 21.1500 |
| 842293 | Disbursement Date | XXXXXX | XXXXXX |
| 842293 | DTI Qualifying (Back) | 31.9300 | 31.8000 |
| 842294 | DTI Qualifying (Back) | 47.1400 | 47.1200 |
| 842294 | DTI Qualifying (Front) | 11.28 | 11.27 |
| 842294 | Total Cash Out | 95219.27 | 94377.22 |
| 842295 | Cash Reserves | 98962.43 | 186994.80 |
| 842295 | Months Reserves | 36.00 | 69.23 |
| 842296 | DTI Qualifying (Back) | 28.4300 | 29.9000 |
| 842588 | Combined LTV | 33.33 | 63.79 |
| 842588 | Total Cash Out | 240749.40 | 240658.40 |
| 842676 | Origination Date | XXXXXX | XXXXXX |
| 842708 | Cash Reserves | 736259.72 | 94948.76 |
| 842708 | Ever in Foreclosure | No | Not Applicable |
| 842708 | Months Reserves | 112.00 | 7.53 |
| 842716 | Combined LTV | 76.92 | 80.00 |
| 842716 | Months Reserves | 16.00 | 13.87 |
| 842756 | Borrower DSCR Percent | 1.9291 | 1.5433 |
| 842756 | Cash Reserves | 301571.60 | 38516.17 |
| 842756 | Ever in Foreclosure | No | Not Applicable |
| 843003 | Combined LTV | 19.83 | 56.54 |
| 843165 | Debt to Income Ratio (Back) | 919.9400 | 0.0000 |
| 843165 | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 843168 | Debt to Income Ratio (Back) | 2148.3800 | 0.0000 |
| 843168 | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 843823 | Cash Reserves | 399928.16 | 564070.11 |
| 843823 | Months Reserves | 153.00 | 92.98 |
| 844375 | Debt to Income Ratio (Back) | 49.1400 | 49.1389 |
| 844897 | Debt to Income Ratio (Back) | 542.1200 | 0.0000 |
| 844897 | Disbursement Date | XXXXXX | XXXXXX |
| 844897 | Loan Purpose | Rate and Term Refi | Home Improvement |
| 844897 | Property Type | SFR | 4 Family |

---

## Exhibit 99.31

**EXHIBIT 99.31**

**clayton non atr qm upload**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2025-9** |
| **Start - End Dates:** | **4/2025-8/2025** |
| **Deal Loan Count:** | **82** |
| **Non ATR QM Upload** | **Non ATR QM Upload** |
| *Loans in Report:* | *82* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 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 |
| **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** |
| 831217 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | 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) | -8393.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | No | Yes | 9743.75 | No | (No Data) | 1.1608 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 837461 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 4%, 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5495.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2300.00 | 0.7839 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 837638 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 4%, 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5210.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2035.00 | 0.7685 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 838374 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Permanent Resident Alien | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 4%, 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5685.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2800.00 | No | (No Data) | 1.4330 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 839537 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 4%, 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5190.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1900.00 | 0.8490 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 839651 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 4%, 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4312.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1800.00 | 0.7880 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 839882 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 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) | -1354.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1850.00 | No | (No Data) | 1.3654 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 839908 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of 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) | -1674.65 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1675.00 | No | (No Data) | 1.0002 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 840047 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1749 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3455.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4400.00 | No | (No Data) | 1.2735 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 840051 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | 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) | -2077.87 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.0107 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 840603 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5174.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 8560.00 | No | (No Data) | 1.6544 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 840908 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 4%, 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -23657.12 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7230.00 | No | (No Data) | 1.1247 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 841006 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1366 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3999.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 1.0002 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 841082 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 5+ Units | 7 | 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) | -9359.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 14409.00 | 1.54 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 - | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 841162 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 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) | -2194.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.0027 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 841166 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepaid in 12 mos | (No Data) | Yes | Yes | 1 | 9.2317 | No | No | 6.704 | (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) | -11401.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 0.69 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 841432 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4%, 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1929.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 1.1920 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 841531 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -1789.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.0058 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 841535 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2234.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1900.00 | No | (No Data) | 0.8504 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 841543 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | 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) | -5863.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 10000.00 | No | (No Data) | 1.7055 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 841544 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 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) | -5323.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 0.7514 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 841547 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 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) | -3427.12 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4900.00 | No | (No Data) | 1.4298 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 841548 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of 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) | -2273.85 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 1.0115 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 841813 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of 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) | -2586.71 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2600.00 | No | (No Data) | 1.0051 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 841820 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | (No Data) | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 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) | -1657.45 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1900.00 | No | (No Data) | 1.1463 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 841854 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (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) | -1764.13 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.0203 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 842134 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.3001 | Yes | Yes | 2.942 | 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 | 19.7 | 19.7 | 19.7 | 19.7 | 19.7 | 19.7 | No | No | (No Data) | 16464.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842135 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.1244 | No | No | 4.66 | 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 | 47.06 | 46.52 | 47.06 | 46.52 | 46.52 | 46.52 | Yes | Yes | Yes | 7473.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842136 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.6355 | Yes | Yes | 3.316 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.51 | 41.52 | 41.51 | 41.52 | 41.52 | 41.52 | Yes | Yes | Yes | 8244.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | 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 | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842137 | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.0538 | No | No | 2.985 | 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) | 46.52 | 48.22 | 46.52 | 48.22 | 48.22 | 48.22 | No | No | (No Data) | 24251.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 29 | Yes | Independent Third Party (The Work Number, Equifax etc) | 11 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (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 - 29 months | Paystub - 1 months;<br> Written VOE - 11 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842140 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.3867 | No | No | 3.75 | 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 | 45.06 | 46.01 | 45.06 | 46.01 | 46.01 | 46.01 | No | No | (No Data) | 6807.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842141 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8336 | Yes | Yes | 2.99 | 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) | 23.52 | 22.35 | 23.52 | 22.35 | 22.35 | 22.35 | No | No | (No Data) | 12405.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months;<br> CPA Letter without Income - 120 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842143 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.9757 | Yes | Yes | 3.663 | 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 | 40.84 | 41.77 | 40.84 | 41.77 | 41.77 | 41.77 | No | No | (No Data) | 19398.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842145 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9109 | Yes | Yes | 0.52 | 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) | 13.19 | 13.21 | 13.19 | 13.21 | 13.21 | 13.21 | Yes | Yes | Yes | 51502.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 180 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842146 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6642 | No | Yes | 1.272 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -16862.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 6 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842149 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.2211 | Yes | Yes | 1.666 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.75 | 40.9 | 37.75 | 40.9 | 40.9 | 40.9 | Yes | Yes | Yes | 21131.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 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) | Award Letter - 6 months;<br> Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842150 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.3343 | Yes | Yes | 3.018 | 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 | 40.11 | 40.11 | 40.11 | 40.11 | 40.11 | 40.11 | Yes | Yes | Yes | 4461.06 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842153 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0363 | Yes | Yes | 2.416 | 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 | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.27 | 36.1 | 34.27 | 36.1 | 36.1 | 36.1 | No | No | (No Data) | 9323.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 842154 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Site Condo | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0668 | Yes | Yes | 2.991 | 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) | 16.5 | 19.2 | 16.5 | 19.2 | 19.2 | 19.2 | No | No | (No Data) | 83504.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842155 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4259 | Yes | Yes | 2.365 | 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) | 23.28 | 18.73 | 23.28 | 18.73 | 18.73 | 18.73 | No | No | (No Data) | 19577.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | Yes | 12 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> Lease Agreement - 12 months | IRS Transcripts – W2(s) - 12 months;<br> Lease Agreement - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842157 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9148 | No | No | 2.544 | Not Applicable | No | No | 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) | 45.28 | 45.28 | 45.28 | 45.28 | 45.28 | 45.28 | No | No | (No Data) | 7159.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 842158 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0642 | Yes | Yes | 0.219 | 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) | 30.26 | 30.28 | 30.26 | 30.28 | 30.28 | 30.28 | No | No | (No Data) | 34050.2 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842159 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.3042 | Yes | Yes | 3.501 | 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 | 38.45 | 35.9 | 38.45 | 35.9 | 35.9 | 35.9 | No | No | (No Data) | 4685.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 842160 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9243 | Yes | Yes | 0.772 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.16 | 33.16 | 33.16 | 33.16 | 33.16 | 33.16 | No | No | (No Data) | 21856.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842161 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2307 | Yes | Yes | 1.5 | 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) | 41.92 | 41.92 | 41.92 | 41.92 | 41.92 | 41.92 | Yes | Yes | Yes | 19338.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 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) |
| 842163 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0826 | Yes | Yes | 0.84 | 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 | 27.38 | 29.74 | 37.38 | 27.38 | 27.38 | 28.48 | Yes | Yes | Yes | 33499.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 842164 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.3204 | No | No | 3.472 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.6 | 48.19 | 48.62 | 45.77 | 45.77 | 46.8 | No | No | (No Data) | 12488.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 36 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842165 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.1581 | Yes | Yes | 2.481 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.12 | 37.63 | 37.12 | 37.63 | 37.63 | 37.63 | No | No | (No Data) | 19991.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842166 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.1687 | Yes | Yes | 4.986 | 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 | 26.71 | 26.45 | 26.71 | 26.45 | 26.45 | 26.45 | Yes | Yes | Yes | 22051.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842168 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 10.1725 | No | No | 3.221 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.49 | 49.49 | 49.49 | 49.49 | 49.49 | 49.49 | Yes | Yes | Yes | 6314.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | 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) | IRS Transcripts – W2(s) - 12 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842172 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.5798 | Yes | Yes | 3.148 | 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 | 8.84 | 8.84 | 8.84 | 8.84 | 8.84 | 8.84 | Yes | Yes | Yes | 15606.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842173 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.8810 | Yes | Yes | 3.147 | 0.000 | (No Data) | (No Data) | No | No | No | Yes | (No Data) | (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 | 21.51 | 21.51 | 21.51 | 21.51 | 21.51 | 21.51 | No | No | (No Data) | 55476.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 842174 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.4755 | Yes | Yes | 0.663 | 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 | 42.09 | 40.14 | 42.09 | 40.14 | 40.14 | 40.14 | Yes | Yes | Yes | 13444.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | 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) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842175 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.3917 | No | No | 3.417 | 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 | 49.77 | 49.77 | 49.77 | 49.77 | 49.77 | 49.77 | No | No | (No Data) | 2630.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842177 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1967 | No | No | 2.784 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.08 | 47.08 | 47.08 | 47.08 | 47.08 | 47.08 | No | No | (No Data) | 8814.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 2 months;<br> Personal Bank Statements - 6 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842179 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.3904 | Yes | Yes | 3.12 | 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 | 28.24 | 27.79 | 28.24 | 27.79 | 27.79 | 27.79 | Yes | Yes | Yes | 8985.79 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 842180 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.8755 | No | No | 4.041 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.95 | 49.27 | 49.95 | 49.27 | 49.27 | 49.27 | Yes | Yes | Yes | 1889.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (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 | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 12 months;<br> Award Letter - 60 months;<br> Paystub - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842182 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.8056 | Yes | Yes | 3.123 | 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 | 42.26 | 42.26 | 42.26 | 42.26 | 42.26 | 42.26 | No | No | (No Data) | 10757.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 27 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (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 | 156 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 156 months;<br> P & L - 27 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842183 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.7616 | Yes | Yes | 3.803 | 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 | 14.17 | 14.17 | 14.17 | 14.17 | 14.17 | 14.17 | No | No | (No Data) | 12408.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 842184 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.8835 | No | No | 3.621 | 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 | 51.72 | 51.72 | 51.73 | 51.72 | 51.72 | 51.72 | No | Yes | Yes | 10232.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 842187 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5719 | Yes | Yes | 0.937 | 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) | 42.43 | 42.42 | 42.43 | 42.42 | 42.42 | 42.42 | No | No | (No Data) | 25057.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 108 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 - 108 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842188 | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.9956 | Yes | Yes | 2.932 | 0.000 | No | No | 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) | 23.34 | 23.34 | 23.34 | 23.34 | 23.34 | 23.34 | No | No | (No Data) | 19983.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842189 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8453 | No | Yes | 2.974 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -1733.41 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 6 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842290 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.63 | 0 | 40.63 | 40.63 | 40.63 | (No Data) | (No Data) | (No Data) | 150889.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842291 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 21.15 | 0 | 21.15 | 21.15 | 21.15 | (No Data) | (No Data) | (No Data) | 82675.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842292 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 20.29 | 0 | 20.29 | 20.29 | 20.29 | (No Data) | (No Data) | (No Data) | 39864.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (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) |
| 842293 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 31.8 | 0 | 31.8 | 31.8 | 31.8 | (No Data) | (No Data) | (No Data) | 18020.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 72 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842294 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 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 | 47.12 | 0 | 47.12 | 47.12 | 47.12 | (No Data) | (No Data) | (No Data) | 8600.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | 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) |
| 842295 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 30.17 | 0 | 30.17 | 30.17 | 30.17 | (No Data) | (No Data) | (No Data) | 18279.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842296 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 29.9 | 0 | 29.9 | 29.9 | 29.9 | (No Data) | (No Data) | (No Data) | 11546.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842588 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 8.5942 | Yes | Yes | 1.966 | 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 | 28.9 | 31.35 | 28.9 | 31.35 | 31.35 | 31.35 | Yes | Yes | Yes | 22700.79 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 842676 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | 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) | -4766.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5200.00 | No | (No Data) | 1.0910 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 842708 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of 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) | -12612.02 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 16666.00 | No | (No Data) | 1.3214 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 842716 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8758 | Yes | Yes | 1.932 | 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 | 42.14 | 40.76 | 42.14 | 40.76 | 40.76 | 40.76 | Yes | Yes | Yes | 26419.53 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Lender Form | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 12 months;<br> P & L Only - 12 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842756 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (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) | -2617.75 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4040.00 | No | (No Data) | 1.5433 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) |
| 843003 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 8.6453 | Yes | Yes | 2.15 | 2.150 | (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 | 37.45 | 37.45 | 37.45 | 37.45 | 37.45 | 37.45 | No | No | (No Data) | 8363.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 120 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 843165 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 4%, 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5443.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.1820 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 843168 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 4%, 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5237.94 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2200.00 | 1.0720 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 843823 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5613 | Yes | Yes | 2.808 | 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 | 34.57 | 34.71 | 34.57 | 34.71 | 34.71 | 34.71 | No | No | (No Data) | 14097.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 844375 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4917 | No | No | 2.036 | 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) | 49.14 | 49.14 | 49.14 | 49.14 | 49.14 | 49.14 | No | No | (No Data) | 7126.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 29 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 29 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 844858 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4%, 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2103.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2450.00 | No | (No Data) | 1.1650 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 844897 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd if amt prepd is >20% of OPB | (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) | -7460.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5940.00 | No | (No Data) | 1.0610 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.32

**EXHIBIT 99.32**

**clayton rating agency grades report**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2025-9** |
| **Start - End Dates:** | **4/2025 - 8/2025** |
| **Deal Loan Count:** | **82** |
| **Rating Agency Grades** | **Rating Agency Grades** |
| ***Loans in Report:*** | *82* |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Morningstar/DBRS Initial Securitization Loan Compliance Grade** | **Morningstar/DBRS Final Securitization Loan Compliance Grade** | **Initial Fitch Loan Compliance Grade** | **Final Fitch Loan Compliance Grade** | **Initial Moodys Overall Loan Grade** | **Final Moodys Overall Loan Grade** | **Initial Moodys Credit Loan Grade** | **Final Moodys Credit Loan Grade** | **Initial Moodys Property Valuations Loan Grade** | **Final Moodys Loan Property Valuations Grade** | **Initial Moodys Loan Compliance Grade** | **Final Moodys Loan Compliance Grade** | **Initial KBRA Loan Compliance Grade** | **Final KBRA Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** |
| 831217 | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 837461 | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 837638 | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 838374 | No | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 839537 | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 839651 | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 839882 | No | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 839908 | No | XXXXXX | XXXXXX C A | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A |
| 840047 | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 840051 | No | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 840603 | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 840908 | No | XXXXXX | Not Applicable | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 841006 | No | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | N/A | N/A |
| 841082 | No | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 841162 | No | XXXXXX | XXXXXX D B A | A | A D B | A | A | D | B | D | B | A | A | A | A D B | A | A D B | A | A |
| 841166 | No | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 841432 | No | XXXXXX | Not Applicable D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 841531 | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841535 | No | XXXXXX | XXXXXX C B A | A | A C B | A | A | C | B | C | A | B | B | A | A C B | A | A C B | A | A |
| 841543 | No | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 841544 | No | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 841547 | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841548 | No | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 841813 | No | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 841820 | No | XXXXXX | XXXXXX B A | A | A B | A | A | B | B | A | A | B | B | A | A B | A | A B | A | A |
| 841854 | No | XXXXXX | XXXXXX D B A | A | A D B | A | A | D | B | D | B | A | A | A | A D B | A | A D B | A | A |
| 842134 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 842135 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | D | B | B | B | D | A | A | A D B | A | A D B | A | A |
| 842136 | Yes | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842137 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B |
| 842140 | Yes | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842141 | Yes | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842143 | Yes | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842145 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B |
| 842146 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | D | A | A | A | D | A | A | A D | A | A D | A | A |
| 842149 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 842150 | Yes | XXXXXX | Not Applicable | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842153 | Yes | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842154 | Yes | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842155 | Yes | XXXXXX | XXXXXX D A C | D | A D C | D | A | D | A | C | A | A | A | D | A D C | D | A D C | D | A |
| 842157 | Yes | XXXXXX | XXXXXX D A C | D | A D C | D | A | D | A | C | A | A | A | D | A D C | D | A D C | D | A |
| 842158 | Yes | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842159 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | D | A | D | A | A | A | D | A D | D | A D | D | A |
| 842160 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | D | A | D | A | A | A | D | A D | D | A D | D | A |
| 842161 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | D | A | D | A | A | A | D | A D | D | A D | D | A |
| 842163 | Yes | XXXXXX | XXXXXX D B A | C | B D A | C | B | D | B | D | A | D | A | C | B D A | C | B D A | C | B |
| 842164 | Yes | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842165 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 842166 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | C | B | A | A | A | A | C | B C A | C | B C A | C | B |
| 842168 | Yes | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842172 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B |
| 842173 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | C | A | C | A | A | A | C | A C | C | A C | C | A |
| 842174 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | D | A | A | A | D | A | A | A D | A | A D | A | A |
| 842175 | Yes | XXXXXX | Not Applicable B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 842177 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | D | B | D | B | D | A | A | A D B | A | A D B | A | A |
| 842179 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 842180 | Yes | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842182 | Yes | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842183 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | C | B | B | B | A | A | C | A C B | C | A C B | C | A |
| 842184 | Yes | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842187 | Yes | XXXXXX | XXXXXX D A C | D | A D C | D | A | D | A | C | A | D | A | D | A D C | D | A D C | D | A |
| 842188 | Yes | XXXXXX | XXXXXX D B A | D | A D B | D | A | D | B | D | B | D | A | D | A D B | D | A D B | D | A |
| 842189 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 842290 | No | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | D | B | D | B | A | A | N/A | N/A D B | N/A | N/A D B | N/A | N/A |
| 842291 | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 842292 | No | XXXXXX | XXXXXX D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 842293 | No | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842294 | No | XXXXXX | XXXXXX D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 842295 | No | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 842296 | No | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 842588 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A D | A | A D | A | A |
| 842676 | No | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842708 | No | XXXXXX | XXXXXX D A | A | A D | A | A | D | A | A | A | D | A | A | A D | A | A D | A | A |
| 842716 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | D | B | D | B | A | A | A | A D B | A | A D B | A | A |
| 842756 | No | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | D | B | D | B | A | A | N/A | N/A D B | N/A | N/A D B | N/A | N/A |
| 843003 | Yes | XXXXXX | XXXXXX A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |
| 843165 | No | XXXXXX | Not Applicable | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 843168 | No | XXXXXX | Not Applicable | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 843823 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 844375 | Yes | XXXXXX | Not Applicable C B | C | B C A | C | B | C | B | A | A | A | A | C | B C A | C | B C A | C | B |
| 844858 | No | XXXXXX | Not Applicable D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 844897 | No | XXXXXX | XXXXXX D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |

---

## Exhibit 99.33

**EXHIBIT 99.33**

**clayton valuations summary**

---

| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2025-9 |
| **Start - End Dates:** | 4/2025 - 8/2025 |
| **Deal Loan Count:** | 82 |

---

**Clayton Valuations Summary**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *Loans in Report:* | *82* | *82* |  | **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** | **Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **AUS Infomation** |
| **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** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **Confidence Score** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 831217 | XXXXXX | $0.00 | XXXXXX | 11/25/2024 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 02/04/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 837461 | XXXXXX | $0.00 | XXXXXX | 04/02/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 837638 | XXXXXX | $0.00 | XXXXXX | 04/02/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 04/17/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 838374 | XXXXXX | $0.00 | XXXXXX | 05/01/2025 | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 06/02/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 839537 | XXXXXX | $0.00 | XXXXXX | 05/12/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 05/21/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 839651 | XXXXXX | $0.00 | XXXXXX | 05/10/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 839882 | XXXXXX | $0.00 | XXXXXX | 05/15/2025 | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | 06/05/2025 | XXXXXX | XXXXXX | -3.04% | XXXXXX | 94 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 839908 | XXXXXX | XXXXXX | XXXXXX | 06/04/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | 06/20/2025 | XXXXXX | XXXXXX | 3.78% | XXXXXX | 98 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 840047 | XXXXXX | $0.00 | XXXXXX | 04/30/2025 | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 05/19/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 840051 | XXXXXX | XXXXXX | XXXXXX | 05/21/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 05/29/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 840603 | XXXXXX | XXXXXX | XXXXXX | 05/17/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 840908 | XXXXXX | $0.00 | XXXXXX | 06/09/2025 | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 06/17/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 841006 | XXXXXX | $0.00 | XXXXXX | 02/28/2025 | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 03/31/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 841082 | XXXXXX | XXXXXX | XXXXXX | 06/09/2025 | XXXXXX | MP |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 06/23/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 841162 | XXXXXX | $0.00 | XXXXXX | 03/27/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | 04/11/2025 | XXXXXX | XXXXXX | -6.01% | XXXXXX | 94 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 841166 | XXXXXX | XXXXXX | XXXXXX | 06/17/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 06/19/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 841432 | XXXXXX | XXXXXX | XXXXXX | 06/20/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 06/27/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 841531 | XXXXXX | $0.00 | XXXXXX | 06/11/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 841535 | XXXXXX | $0.00 | XXXXXX | 05/07/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 05/19/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| 841543 | XXXXXX | XXXXXX | XXXXXX | 06/01/2025 | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 06/13/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 841544 | XXXXXX | XXXXXX | XXXXXX | 06/11/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 06/18/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 841547 | XXXXXX | $0.00 | XXXXXX | 05/17/2025 | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 05/29/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 841548 | XXXXXX | XXXXXX | XXXXXX | 05/21/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | 05/29/2025 | XXXXXX | XXXXXX | -2.81% | XXXXXX | 96 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 841813 | XXXXXX | XXXXXX | XXXXXX | 06/11/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 07/02/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 841820 | XXXXXX | XXXXXX | XXXXXX | 06/23/2025 | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 06/26/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 841854 | XXXXXX | XXXXXX | XXXXXX | 06/18/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 06/26/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842134 | XXXXXX | XXXXXX | XXXXXX | 04/16/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 842135 | XXXXXX | XXXXXX | XXXXXX | 05/22/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | Other | 05/29/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| 842136 | XXXXXX | $0.00 | XXXXXX | 04/22/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 04/29/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 842137 | XXXXXX | XXXXXX | XXXXXX | 05/27/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842140 | XXXXXX | $0.00 | XXXXXX | 03/12/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 842141 | XXXXXX | $0.00 | XXXXXX | 05/13/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842143 | XXXXXX | XXXXXX | XXXXXX | 05/30/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 842145 | XXXXXX | XXXXXX | XXXXXX | 05/14/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842146 | XXXXXX | XXXXXX | XXXXXX | 05/16/2025 | XXXXXX | 1073 Condo (Mar 05) |  |  | 05/16/2025 | XXXXXX | XXXXXX | 1.24% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 842149 | XXXXXX | XXXXXX | XXXXXX | 05/23/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842150 | XXXXXX | $0.00 | XXXXXX | 05/19/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 05/28/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 842153 | XXXXXX | $0.00 | XXXXXX | 05/30/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 842154 | XXXXXX | XXXXXX | XXXXXX | 06/02/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842155 | XXXXXX | $0.00 | XXXXXX | 06/02/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 842157 | XXXXXX | XXXXXX | XXXXXX | 06/04/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | Other | 06/16/2025 | XXXXXX | XXXXXX | 9.24% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842158 | XXXXXX | XXXXXX | XXXXXX | 05/12/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 842159 | XXXXXX | XXXXXX | XXXXXX | 05/14/2025 | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 842160 | XXXXXX | XXXXXX | XXXXXX | 06/02/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842161 | XXXXXX | XXXXXX | XXXXXX | 06/06/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 06/13/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 842163 | XXXXXX | $0.00 | XXXXXX | 05/07/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 05/20/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 842164 | XXXXXX | XXXXXX | XXXXXX | 05/06/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 842165 | XXXXXX | $0.00 | XXXXXX | 02/25/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 03/07/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 842166 | XXXXXX | $0.00 | XXXXXX | 03/26/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842168 | XXXXXX | XXXXXX | XXXXXX | 04/24/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 05/02/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 842172 | XXXXXX | XXXXXX | XXXXXX | 05/14/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842173 | XXXXXX | $0.00 | XXXXXX | 03/17/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 842174 | XXXXXX | $0.00 | XXXXXX | 05/20/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | Other | 05/28/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 842175 | XXXXXX | XXXXXX | XXXXXX | 05/14/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 842177 | XXXXXX | XXXXXX | XXXXXX | 05/10/2025 | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 05/15/2025 | XXXXXX | XXXXXX | -4.21% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 842179 | XXXXXX | XXXXXX | XXXXXX | 06/10/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842180 | XXXXXX | XXXXXX | XXXXXX | 05/14/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 842182 | XXXXXX | $0.00 | XXXXXX | 05/19/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 06/05/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 842183 | XXXXXX | $0.00 | XXXXXX | 05/09/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 05/22/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 842184 | XXXXXX | XXXXXX | XXXXXX | 05/22/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842187 | XXXXXX | XXXXXX | XXXXXX | 06/03/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 842188 | XXXXXX | $0.00 | XXXXXX | 06/04/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842189 | XXXXXX | XXXXXX | XXXXXX | 06/13/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842290 | XXXXXX | $0.00 | XXXXXX | 04/22/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  | 04/29/2025 | XXXXXX | XXXXXX | 8.52% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| 842291 | XXXXXX | $0.00 | XXXXXX | 05/12/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 06/16/2025 | XXXXXX | XXXXXX | -5.36% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 842292 | XXXXXX | XXXXXX | XXXXXX | 06/12/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842293 | XXXXXX | $0.00 | XXXXXX | 05/28/2025 | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 06/02/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 842294 | XXXXXX | $0.00 | XXXXXX | 05/16/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842295 | XXXXXX | XXXXXX | XXXXXX | 05/30/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 842296 | XXXXXX | XXXXXX | XXXXXX | 05/18/2025 | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842588 | XXXXXX | $0.00 | XXXXXX | 06/19/2025 | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 07/10/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 842676 | XXXXXX | XXXXXX | XXXXXX | 06/27/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 842708 | XXXXXX | XXXXXX | XXXXXX | 06/11/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 07/07/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 842716 | XXXXXX | XXXXXX | XXXXXX | 06/18/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 842756 | XXXXXX | XXXXXX | XXXXXX | 06/30/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | 07/09/2025 | XXXXXX | XXXXXX | -2.03% | XXXXXX | 96 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 843003 | XXXXXX | $0.00 | XXXXXX | 07/14/2025 | XXXXXX | Automated Valuation Model | XXXXXX | 93 |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  | 93 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX | 07/18/2025 | XXXXXX | XXXXXX | -4.34% | (No Data) |
| 843165 | XXXXXX | $0.00 | XXXXXX | 05/10/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 843168 | XXXXXX | $0.00 | XXXXXX | 05/10/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 05/17/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 843823 | XXXXXX | XXXXXX | XXXXXX | 07/11/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 07/16/2025 | XXXXXX | XXXXXX | -2.54% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| 844375 | XXXXXX | XXXXXX | XXXXXX | 06/06/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 844858 | XXXXXX | XXXXXX | XXXXXX | 07/14/2025 | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 08/07/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 844897 | XXXXXX | $0.00 | XXXXXX | 07/10/2025 | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | 08/08/2025 | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.34

**EXHIBIT 99.34**

**clayton CROSS COLLATERALIZED MULTI-PROPERTY REPORT**

---

| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2025-9 |
| **Start - End Dates:** | 4/2025 - 8/2025 |
| **Deal Loan Count:** | 82 |
| **Cross Collateralized Multi-Property Report** | **Cross Collateralized Multi-Property Report** |
| *Loans in Report:* | *1* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Loan Flag** | **Loan Status Date** | **Originator** | **Property Address** | **City** | **State** | **Zip Code** | **Original Balance** | **Release Price** | **Release Provision** | **Rate Type Code** | **Loan Product** | **Lien Type** | **Original Rate** | **Original Monthly PI Payment** | **Borrower FICO** | **Coborrower FICO** | **FICO Date** | **Appraisal Date** | **Owner Occupancy** | **Property Type** | **Appraisal Form** | **Appraisal Value** | **Purchase Price** | **Property Value for LTV** | **Updated Appraisal Value** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Appraisal Variance Amount** | **Appraisal Variance Percent** | **Originator Original LTV** | **Combined LTV** | **ARM Index** | **Interest Only Period** | **Original Maturity Term** | **Original Amortization Term** | **Prepayment Penalty Months** | **Prepay Penalty Type** | **Note Date** | **First Payment Date** | **Maturity Date** | **Property Units** | **Loan Purpose** | **Foreign National Flag** | **Documentation Type** | **T & I & A Payment** | **Mortgage Type** | **ARM Margin** | **Minimum Rate Life Floor** | **Maximum Rate** | **Initial Periodic Cap** | **Life Rate Cap** | **Subsequent Periodic Cap** | **Payment Adjustment Frequency** | **Rate Adjustment Frequency** | **Borrower ID** | **Cross Default Loan Count** | **Market Rent** | **Rent in Place from Lease** | **Rent used (Lower of 2)** | **Type of Rent to Qualify** | **Rented Flag** | **Originator Original DSCR** | **Personal Guarantor** | **Annual HOA** | **First Time Investor** | **Reserve Amount** | **Origination Channel** |
| 831217 | Y A |  |  |  |  |  |  | xxxxxx |  | 120% per website | Fixed | 30 year fixed- NONI Blanket | 1 | 7.5 | 6048.21 | N/A LLC | 757 | 2/11/2025 |  | Investor |  |  |  | Refinance |  |  |  |  | $0 | $0 | 61.9184% | 61.9184% | n/a | 0 | 360 | 360 | 60 | 5% of amt prepd | xxxxxx | xxxxxx | xxxxxx |  | cash out refi | No | DSCR | xxxxx | Fixed rate | N/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |  |  |  |  |  |  |  | 1.2036 | xxxxxx | $0.00 | No | $118320.65 | Broker A |
| 831217-1 | N |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 11/25/2024 |  | SFR | 1004 | xxxxxx |  | xxxxxx | xxxxxx | 2/4/2025 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  | xxxxx |  |  |  |  |  |  |  |  |  |  |  | $1050.00 | $900.00 | $900.00 | Lease | Yes |  |  |  |  |  | A |
| 831217-2 | N |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 11/25/2024 |  | SFR | 1004 | xxxxxx |  | xxxxxx | xxxxxx | 2/5/2025 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  | xxxxx |  |  |  |  |  |  |  |  |  |  |  | $1050.00 | $875.00 | $875.00 | Lease | Yes |  |  |  |  |  | A |
| 831217-3 | N |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 11/25/2024 |  | SFR | 1004 | xxxxxx |  | xxxxxx | xxxxxx | 2/13/2025 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  | xxxxx |  |  |  |  |  |  |  |  |  |  |  | $1050.00 | $850.00 | $850.00 | Lease | Yes |  |  |  |  |  | A |
| 831217-4 | N |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 11/25/2024 |  | SFR | 1004 | xxxxxx |  | xxxxxx | xxxxxx | 2/4/2025 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  | xxxxx |  |  |  |  |  |  |  |  |  |  |  | $1050.00 | $975.00 | $975.00 | Lease | Yes |  |  |  |  |  | A |
| 831217-5 | N |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 11/25/2024 |  | SFR | 1004 | xxxxxx |  | xxxxxx | xxxxxx | 1/14/2025 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  | xxxxx |  |  |  |  |  |  |  |  |  |  |  | $1050.00 | $900.00 | $900.00 | Lease | Yes |  |  |  |  |  | A |
| 831217-6 | N |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 11/25/2024 |  | SFR | 1004 | xxxxxx |  | xxxxxx | xxxxxx | 2/3/2025 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  | xxxxx |  |  |  |  |  |  |  |  |  |  |  | $1050.00 | $875.00 | $875.00 | Lease | Yes |  |  |  |  |  | A |
| 831217-7 | N |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 11/26/2024 |  | 2 unit | 1025 | xxxxxx |  | xxxxxx | xxxxxx | 1/14/2025 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |  |  | xxxxx |  |  |  |  |  |  |  |  |  |  |  | $850.00 | $1225.00 | $850.00 | Market rent | Yes & Yes |  |  |  |  |  | A |
| 831217-8 | N |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 11/26/2024 |  | 2 unit | 1025 | xxxxxx |  | xxxxxx | xxxxxx | 1/14/2025 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |  |  | xxxxx |  |  |  |  |  |  |  |  |  |  |  | $743.75 | $943.75 | $743.75 | Lease & 75% of FMR | Yes & No |  |  |  |  |  | A |
| 831217-9 | N |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 11/25/2024 |  | SFR | 1004 | xxxxxx |  | xxxxxx | xxxxxx | 2/4/2025 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  | xxxxx |  |  |  |  |  |  |  |  |  |  |  | $1050.00 | $875.00 | $875.00 | Lease | yes |  |  |  |  |  | A |
| 831217-10 | N |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 11/25/2024 |  | SFR | 1004 | xxxxxx |  | xxxxxx | xxxxxx | 1/15/2025 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  | xxxxx |  |  |  |  |  |  |  |  |  |  |  | $1050.00 | $850.00 | $850.00 | Lease | yes |  |  |  |  |  | A |
| 831217-11 | N |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 11/25/2024 |  | SFR | 1004 | xxxxxx |  | xxxxxx | xxxxxx | 2/4/2025 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  | xxxxx |  |  |  |  |  |  |  |  |  |  |  | $1050.00 | $1075.00 | $1050.00 | Market rent | Yes |  |  |  |  |  | A |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | **$11043.75** | **$10343.75** | **$9743.75** |  |  |  |  |  |  |  |  |

---

## Exhibit 99.35

**EXHIBIT 99.35**

**EVOLVE MORTGAGE SERVICES, LLC ("eVOLVE") EXECUTIVE sUMMARY**

![](tm2526594d1_ex99-35img01.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.** <br>

Executive Summary

Verus 2025-9

Dated: September 22, 2025

**6136 Frisco Square Blvd. \| Suite 350 \| Frisco, TX 75034**<br>**P: 888.892.1843** **\| evolvemortgageservices.com**<br>

![](tm2526594d1_ex99-35img02.jpg)

Forward Thinking. Seamless Solutions.

------

**EXECUTIVE SUMMARY**

**Overview**

Evolve Mortgage Services, LLC ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by VMC Asset Pooler, LLC ("Client"). The Review was conducted via imaged files provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size of the assets reviewed.**

The final population of the Review covered 93 loans, consisting of 53 Residential Loans and 40 Business Purpose loans, totaling an aggregate original principal balance of approximately $47,131,916.00 Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Kroll Bond Rating Agency, LLC (KBRA) and S&P Global Ratings, the nationally recognized statistical rating organizations ("NRSROs") identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data fields on the bid tape provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus tapes as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

---

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-35img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

---

![](tm2526594d1_ex99-35img02.jpg)

Forward Thinking. Seamless Solutions.

------

Additional information about the data integrity review is included below.

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

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

**Credit Application:** For the Credit Application, Evolve 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:** Evolve'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, Evolve: (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 ("DTI") 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:** Evolve 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, was not 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.

**Debt Service Coverage ratio (DSCR):** Evolve calculated and determined DSCR as required by guidelines.

**Asset Review:** Evolve 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, Evolve 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).

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-35img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

---

![](tm2526594d1_ex99-35img02.jpg)

Forward Thinking. Seamless Solutions.

------

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by Evolve. During the course of this review, Evolve (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, (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.

**DU/LP Review:** When provided and appropriate, Evolve verified that DU findings included an approved/eligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

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

**Fraud Review:** Evolve 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, Evolve conditioned the mortgage loan for the missing fraud report product.

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-35img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

---

![](tm2526594d1_ex99-35img02.jpg)

Forward Thinking. Seamless Solutions.

------

If a report was present, Evolve 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, Evolve confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

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

**Additional Review of Mortgage Loan File:** Evolve 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.

Additionally, Evolve 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) DTI ratios and/or loan-to-value ratios ("LTV(s)") were used in the assessment of conformity guidelines.

**Regulatory Compliance:** Evolve conducted a review to determine whether the loan met certain federal, state and local regulatory requirements at the time of origination when applicable. All applicable tests and disclosure reviews were graded in accordance with the Structured Finance Association ("SFA") published RMBS 3.0 TRID Compliance Review Scope. The Regulatory Compliance Review conducted is fully detailed in Appendix A.

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-35img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

---

![](tm2526594d1_ex99-35img02.jpg)

Forward Thinking. Seamless Solutions.

------

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

Evolve'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. Evolve's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Loans), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser (for residential properties) that was actively licensed to perform the valuation, (v) completed, for residential properties, 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 and (viii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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

Other aspects of Evolve'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 Evolve or if it was not directly accessible that another valuation product that was directly accessible to Evolve was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, Evolve confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Evolve created an exception.

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-35img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

---

![](tm2526594d1_ex99-35img02.jpg)

Forward Thinking. Seamless Solutions.

------

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

The NRSROs criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in the Form ABS Due Diligence-15E.

**Compliance Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **NRSRO Grade** | **KBRA** | **KBRA** | **S&P** | **S&P** |
| **NRSRO Grade** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;53 | 56.99% | &nbsp;&nbsp;53 | 56.99% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | 0.00% | &nbsp;&nbsp;- | 0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | 0.00% | &nbsp;&nbsp;- | 0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | 0.00% | &nbsp;&nbsp;- | 0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;40 | 43.01% | &nbsp;&nbsp;40 | 43.01% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**93** | **100.00%** | &nbsp;&nbsp;**93** | **100.00%** |

---

**Credit Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | **% of Loans** | &nbsp;&nbsp;**# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;83 | 89.25% | &nbsp;&nbsp;83 | 89.25% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | 10.75% | &nbsp;&nbsp;10 | 10.75% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | 0.00% | &nbsp;&nbsp;- | 0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | 0.00% | &nbsp;&nbsp;- | 0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | 0.00% | &nbsp;&nbsp;- | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**93** | **100.00%** | &nbsp;&nbsp;**93** | **100.00%** |

---

**Property Valuation Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | **% of Loans** | &nbsp;&nbsp;**# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;91 | 97.85% | &nbsp;&nbsp;91 | 97.85% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | 2.15% | &nbsp;&nbsp;2 | 2.15% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | 0.00% | &nbsp;&nbsp;- | 0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | 0.00% | &nbsp;&nbsp;- | 0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | 0.00% | &nbsp;&nbsp;- | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**93** | **100.00%** | &nbsp;&nbsp;**93** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-35img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

---

![](tm2526594d1_ex99-35img02.jpg)

Forward Thinking. Seamless Solutions.

------

**Overall Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | **% of Loans** | &nbsp;&nbsp;**# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;81 | 87.10% | &nbsp;&nbsp;81 | 87.10% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | 12.90% | &nbsp;&nbsp;12 | 12.90% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | 0.00% | &nbsp;&nbsp;- | 0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | 0.00% | &nbsp;&nbsp;- | 0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | 0.00% | &nbsp;&nbsp;- | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**93** | **100.00%** | &nbsp;&nbsp;**93** | **100.00%** |

---

**Data Results Summary**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;93 | &nbsp;&nbsp;1.08% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;8 | &nbsp;&nbsp;93 | &nbsp;&nbsp;8.60% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;54 | &nbsp;&nbsp;93 | &nbsp;&nbsp;58.06% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;18 | &nbsp;&nbsp;93 | &nbsp;&nbsp;19.35% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;19 | &nbsp;&nbsp;93 | &nbsp;&nbsp;20.43% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;90 | &nbsp;&nbsp;93 | &nbsp;&nbsp;96.77% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;93 | &nbsp;&nbsp;1.08% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;93 | &nbsp;&nbsp;1.08% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;93 | &nbsp;&nbsp;1.08% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;27 | &nbsp;&nbsp;93 | &nbsp;&nbsp;29.03% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;30 | &nbsp;&nbsp;93 | &nbsp;&nbsp;32.26% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;46 | &nbsp;&nbsp;93 | &nbsp;&nbsp;49.46% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;93 | &nbsp;&nbsp;5.38% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;4 | &nbsp;&nbsp;93 | &nbsp;&nbsp;4.30% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;90 | &nbsp;&nbsp;93 | &nbsp;&nbsp;96.77% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;1 | &nbsp;&nbsp;93 | &nbsp;&nbsp;1.08% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;44 | &nbsp;&nbsp;93 | &nbsp;&nbsp;47.31% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;4 | &nbsp;&nbsp;93 | &nbsp;&nbsp;4.30% |

---

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-35img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 7 \| P a g e |

---

![](tm2526594d1_ex99-35img02.jpg)

Forward Thinking. Seamless Solutions.

------

**APPENDIX A**

**Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-35img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 8 \| P a g e |

---

![](tm2526594d1_ex99-35img02.jpg)

Forward Thinking. Seamless Solutions.

------

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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

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

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

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

iii) errors in the right of rescission notice;

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

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

---

| | | |
|:---|:---|:---|
| | vi) | any material disclosure violation on a rescindable loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures; |
| b) | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> |

---

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-35img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 9 \| P a g e |

---

![](tm2526594d1_ex99-35img02.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-35img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 10 \| P a g e |

---

![](tm2526594d1_ex99-35img02.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures; and

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

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-35img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 11 \| P a g e |

---

![](tm2526594d1_ex99-35img02.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

 i) determine if the creditor obtained proof of homeownership counseling in connection with a loan to a first time homebuyer that contains a negative amortization feature; <br> c) <u>Mandatory Arbitration Clauses (§1026.36):</u> <br>

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-35img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 12 \| P a g e |

---

![](tm2526594d1_ex99-35img02.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated loans, Evolve reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

For each QM designated loan that satisfied the applicable requirements enumerated above, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-35img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 13 \| P a g e |

---

![](tm2526594d1_ex99-35img02.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-35img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 14 \| P a g e |

---

![](tm2526594d1_ex99-35img02.jpg)

Forward Thinking. Seamless Solutions.

------

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

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

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-35img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 15 \| P a g e |

---

![](tm2526594d1_ex99-35img02.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-35img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 16 \| P a g e |

---

![](tm2526594d1_ex99-35img02.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

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

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

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

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-35img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 17 \| P a g e |

---

![](tm2526594d1_ex99-35img02.jpg)

Forward Thinking. Seamless Solutions.

------

**(XIII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

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

---

| | | |
|:---|:---|:---|
| ![](tm2526594d1_ex99-35img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 18 \| P a g e |

---

## Exhibit 99.36

**EXHIBIT 99.36**

**eVOLVE EXCEPTION DETAIL**

![](tm25265941d1_ex99-36img001.jpg)

**Exception Detail**

Run Date - 09/12/2025 11:52:01 AM

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| xxxxxx | 839432 | xxxxxx | 7153316 | xxxxxx | 07/31/2025 | Valuation | Appraisal |  | Appraisal - is missing |  | Please provide appraisal. | Appraisal has been provided. |  |  | 08/01/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| xxxxxx | 839432 | xxxxxx | 7153317 | xxxxxx | 08/01/2025 | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The appraisal and final loan approval is missing from the loan file. The credit review is on hold until documents are received. | Documents received |  |  | 08/01/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| xxxxxx | 839432 | xxxxxx | 7153318 | xxxxxx | 08/01/2025 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide LOE for when completion of xxxxxx will be completed. | received LOE for completion in xxxxxx |  |  | 08/19/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| xxxxxx | 841860 | xxxxxx | 7157739 | xxxxxx | 07/27/2025 | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The credit report is missing from the loan file. The credit review is on hold until documents are received | Documents provided |  |  | 07/28/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 841860 | xxxxxx | 7157740 | xxxxxx | 08/06/2025 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | The LTV of 75% exceeds the maximum allowed LTV of 70% when the qualifying FICO is < 660 and 24 month bank statement income is utilized. |  | Client waived with compensating factors: Residual income of $23,755.10 exceeds the minimum required of $1750, Reserves of 12.20 months after closing where only 3 months were required and DTI of 35.491% where the maximum allowed is 50%. |  |  |  | 08/06/2025 B | 2 | xxxxxx | xxxxxx | 1 | 1 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 843215 | xxxxxx | 7150881 | xxxxxx | 07/22/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Exhibit A is missing. The Exhibit A in file is blank. | Information provided |  |  | 07/25/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843240 | xxxxxx | 7150886 | xxxxxx | 07/17/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Exhibit A is missing. The Exhibit A in file is blank. Please provide, along with LOI to re-record. | Information provided |  |  | 07/29/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843240 | xxxxxx | 7150887 | xxxxxx | 07/21/2025 | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | The borrower does not have sufficient funds to meet the minimum reserve requirement. According to the appraisal report, the subject property is a xxxxxx-unit xxxxxx. Per program guidelines for xxxxxx unit properties submitted under the DSCR program, a minimum of six (6) months of reserves is required. However, only four (4) months of reserves have been verified. | Received additional bank account |  |  | 07/30/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843248 | xxxxxx | 7150889 | xxxxxx | 07/08/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Fully executed initial application missing from file. The Commercial Application is not signed. | BP loans only require the final to be signed |  | Client 07/15/2025 02:26 PM; This is a BP, as long as we have a final commercial application signed, we should be good. Please advise. <br>Reviewer 07/15/2025 03:32 PM; Condition has been reviewed. xxxxxx<br>| 07/15/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843251 | xxxxxx | 7150890 | xxxxxx | 07/18/2025 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Legible report/photos required |  | xxxxxx used for unit xxxxxx are also used for Unit xxxxxx | Pictures provided |  |  | 07/29/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 D A | N/A | N/A D |  | Exempt | 1 |
| xxxxxx | 843260 | xxxxxx | 7150891 | xxxxxx | 07/09/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The 1003 for the borrower was not provided. The file only contained the Commercial application. | Commercial application is permitted for Business Purpose loans. |  | Client 07/11/2025 12:04 PM; Commercial application is permitted for Business Purpose loans. <br>Reviewer 07/11/2025 12:51 PM; Condition has been reviewed. xxxxxx<br>| 07/11/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843261 | xxxxxx | 7157735 | xxxxxx | 06/17/2025 | Credit | Closing Package |  | Closing Package - |  | The Final Closing Disclosure is missing from file. | Documents received |  |  | 06/25/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843261 | xxxxxx | 7157736 | xxxxxx | 06/23/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing title commitment with proposed amount of insurance at xxxxxx | received revised title |  |  | 06/25/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843261 | xxxxxx | 7157737 | xxxxxx | 06/23/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception approval required for a condominium project with an investor concentration over 60% |  | Client waived with compensating factors: Credit score of 794 is exceeds minimum required of 660, Reserves after close are 137.26 months where only 2 months were required, DSCR is 1.15 where 1.0 was required. |  |  |  | 06/23/2025 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843261 | xxxxxx | 7157738 | xxxxxx | 06/23/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception approval required for an LTV over 70% (actual 75%) on a condominium refinance. |  | Client waived with compensating factors: Credit score of 794 is exceeds minimum required of 660, Reserves after close are 137.26 months where only 2 months were required, DSCR is 1.15 where 1.0 was required. |  |  |  | 06/23/2025 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843271 | xxxxxx | 7150897 | xxxxxx | 06/26/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The Settlement Statement (HUD-1) included in the loan file lists xxxxxx as the seller; however, this transaction was a cash-out refinance. Please provide the final executed and dated Closing Disclosure with the seller information removed. | Received the final executed and dated Closing Disclosure with the seller information removed. |  |  | 06/30/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843303 | xxxxxx | 7150902 | xxxxxx | 07/16/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | The Exhibit A is missing. Exhibit A in file is blank. Please provide, along with LOI to re-record. | Information provided |  |  | 07/23/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843305 | xxxxxx | 7150903 | xxxxxx | 07/10/2025 | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Hazard policy is missing premium amount. | Information provided |  |  | 07/16/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843314 | xxxxxx | 7150905 | xxxxxx | 07/01/2025 | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Missing fraud report with all high and medium alerts cleared. | xxxxxx report provided |  | Client 07/18/2025 03:51 PM; Clear final fraud uploaded for review. xxxxxx. <br>Reviewer 07/18/2025 06:51 PM; Condition has been reviewed. xxxxxx<br>| 07/18/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843319 | xxxxxx | 7150908 | xxxxxx | 07/17/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Exhibit A is missing. The Exhibit A in file is blank. Please provide, along with LOI to re-record. | Information provided |  |  | 07/28/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843341 | xxxxxx | 7150909 | xxxxxx | 06/28/2025 | Credit | Closing Package |  | Closing Package - First Payment Letter Missing or Incorrect |  | The First Payment Letter reflected the amount for Principal and Interest as xxxxxx; however, the Note reflected the Principal and Interest amount as xxxxxx. Please provide an updated First Payment Letter. | Information provided |  |  | 07/08/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 B A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843352 | xxxxxx | 7150912 | xxxxxx | 07/18/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Exhibit A is missing. The Exhibit A in file is blank. Please provide, along with LOI to re-record. | Information provided |  |  | 07/28/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843365 | xxxxxx | 7150913 | xxxxxx | 07/03/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Title is vested under individual, if this is true, please provide Quit Claim Deed. Otherwise, an updated title reflecting vesting in LLC will be required. | Documents provided |  |  | 07/14/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843366 | xxxxxx | 7150914 | xxxxxx | 07/15/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Exhibit A is missing. The Exhibit A in file is blank. Please provide, along with LOI to re-record. | Information provided |  |  | 07/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843378 | xxxxxx | 7150919 | xxxxxx | 07/19/2025 | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | Please provide the final HUD-1 settlement statement. | Information provided |  |  | 07/25/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843378 | xxxxxx | 7150920 | xxxxxx | 07/23/2025 | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The final CD is missing from the loan file. The credit review is on hold until documents are received. | Document received |  |  | 07/25/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843386 | xxxxxx | 7150921 | xxxxxx | 07/15/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Exhibit A is missing. The Exhibit A in file is blank. Please provide, along with LOI to re-record. | Information provided |  |  | 07/22/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843663 | xxxxxx | 7158338 | xxxxxx | 07/21/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Acceptable LOE from Borrower regarding declining income missing from file. | LOE received |  |  | 08/10/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 C B | A | A |  | Exempt | 1 |
| xxxxxx | 843663 | xxxxxx | 7158339 | xxxxxx | 07/21/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Clarification for child support obligation required. The xxxxxx obligation appears to be for the older children and divorce in 2018. Borrower has 2 younger children and is unmarried. Child support obligation for 2 younger children not in file. | LOX received indicating no support required. |  |  | 08/10/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 C B | A | A |  | Exempt | 1 |
| xxxxxx | 843663 | xxxxxx | 7158340 | xxxxxx | 07/21/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Verification of business operational within 10 days of not missing from file. | Received 10 day SOS business search |  |  | 07/28/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 C B | A | A |  | Exempt | 1 |
| xxxxxx | 843663 | xxxxxx | 7158341 | xxxxxx | 09/12/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for significant declining income. |  | Client Waived with Compensating Factors: DTI of 14.104% where the maximum allowed is 45%, Self-employed for 7+ years, 0\*30\*15 mortgage payment history, Residual income of $45,108.33 |  |  |  | 09/12/2025 B | 2 | xxxxxx | xxxxxx | 1 | 3 C B | A | A |  | Exempt | 1 |
| xxxxxx | 843663 | xxxxxx | 7158342 | xxxxxx | 09/12/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for the significant number of NSFs on business bank statements for a 12 month bank statement loan. 24 months of bank statements not provided. |  | Client Waived with Compensating Factors: DTI of 14.104% where the maximum allowed is 45%, Self-employed for 7+ years, 0\*30\*15 mortgage payment history, Residual income of $45,108.33 |  |  |  | 09/12/2025 B | 2 | xxxxxx | xxxxxx | 1 | 3 C B | A | A |  | Exempt | 1 |
| xxxxxx | 843669 | xxxxxx | 7153040 | xxxxxx | 07/21/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | No Housing History. Borrower was living rent free with son. Per guidelines, borrower's living rent free with anyone other than a spouse would be considered on a case by case basis. Exception Required. | Revised 1008 provided contains underwriter's comments |  |  | 08/05/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxxxxx | 843698 | xxxxxx | 7157730 | xxxxxx | 07/17/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Deed/Mortgage is missing pg. 24 of 25 with the notary signature. | Information provided |  | Reviewer 07/23/2025 10:03 AM; No documentation provided<br>| 07/24/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843698 | xxxxxx | 7157731 | xxxxxx | 07/19/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Minimum credit score 680 required for 75% LTV Borrower has a 661 credit score |  | Client waived with compensating factors: Reserves after close 24.95 months where 6 months were required, self-employed 10+ years, experienced investor for 11 years. |  |  |  | 07/19/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843698 | xxxxxx | 7157732 | xxxxxx | 07/19/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide bank statement calculation income work sheet | Worksheet provided |  |  | 07/22/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843701 | xxxxxx | 7150888 | xxxxxx | 07/21/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | Provide bank statement analysis worksheet. | Received bank statement income worksheet |  |  | 07/23/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | A | A |  | Exempt | 1 |
| xxxxxx | 844423 | xxxxxx | 7153351 | xxxxxx | 08/18/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The payment shock at 3.333 when max payment shock is 3.0x. |  | Client Waived with Compensating Factors: Residual income of $14,633.85 exceeds the minimum required of $1,750, Borrower has been employed at current job for 22 years, Reserves of 54.30 months after closing where only 6 months were required. and 774 fico score where the minimum required is 700. |  |  |  | 08/18/2025 B | 2 | xxxxxx | xxxxxx | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| xxxxxx | 844783 | xxxxxx | 7156505 | xxxxxx | 08/06/2025 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | A Desk Appraisal is required on all loan amounts under xxxxxx. Collateral Underwriting or Desk review missing from file. | received CDA |  |  | 08/22/2025 |  | B | 2 | xxxxxx | xxxxxx | 1 | 13 C B A | A | A C B |  | Exempt | 1 |
| xxxxxx | 844783 | xxxxxx | 7156506 | xxxxxx | 08/06/2025 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Appraisal Transfer requirements Original lender to provide a signed /dated Appraisal Transfer letter on their letterhead stating the following Transfer of ownership rights. Brw name and subject address. Leder Cert appraisal complies w/ xxxxxx, State, and xxxxxx. Lender cert appraisal ordered within TRID compliance |  | Client Waived with Compensating Factors: Residual income of $5118.96 and Reserves of 59.28 months after closing where only 3 months were required | Client 08/24/2025 11:43 PM; Please see E-mail provided from xxxxxx (previous lender), they said they do not issue transfer letter.<br>Reviewer 08/25/2025 05:43 AM; Please provide an Exception with compensating factors <br>|  |  | 08/26/2025 B | 2 | xxxxxx | xxxxxx | 1 | 13 C B A | A | A C B |  | Exempt | 1 |
| xxxxxx | 844784 | xxxxxx | 7153037 | xxxxxx | 08/04/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Please submit the formal exception approval with compensating factors for the borrorwer's non-permanent-resident-alien status and documentation approval for the expired VISA, renewal application, and passport as indicated on the correspondence in the file. | Received guidelines accepting borrower's status and xxxxxx approval. |  |  | 08/11/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 C A | A | A |  | Exempt | 1 |
| xxxxxx | 844784 | xxxxxx | 7153038 | xxxxxx | 08/04/2025 | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The bank statement income calculation worksheets are missing from the loan file. The credit review is on hold until documents are received. | Documents provided |  |  | 08/05/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 C A | A | A |  | Exempt | 1 |
| xxxxxx | 844786 | xxxxxx | 7154512 | xxxxxx | 07/31/2025 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 08/15/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | C | A |  | Exempt | 1 |
| xxxxxx | 844786 | xxxxxx | 7154513 | xxxxxx | 07/31/2025 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing 0% tolerance for the increase in the Appraisal fee on the xxxxxx CD. The COC for this date does not give a valid explanation for this fee increase. Violation amount is $100. Need a PCCD with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within 60 days of consummation. | Information provided |  | Reviewer 08/06/2025 10:06 AM; COC provided does not reflect a valid reason for the increase in fee. A valid reason is required. Refund is required<br>| 08/15/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | C | A |  | Exempt | 1 |
| xxxxxx | 844787 | xxxxxx | 7156521 | xxxxxx | 08/07/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Fraud Report required for file. | Received the complete fraud report. |  |  | 08/22/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | A | A |  | Exempt | 1 |
| xxxxxx | 844787 | xxxxxx | 7156522 | xxxxxx | 08/07/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | Personal Bank Statements for 13-month only employment documentation in file. Verification of valid business not provided. | Received LOE from CPA |  |  | 08/22/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | A | A |  | Exempt | 1 |
| xxxxxx | 844787 | xxxxxx | 7156523 | xxxxxx | 08/07/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet required |  | Missing the income calculation worksheet for the personal bank statement analysis for the borrower. | Received bank statement income worksheet |  |  | 08/22/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | A | A |  | Exempt | 1 |
| xxxxxx | 844793 | xxxxxx | 7156537 | xxxxxx | 08/25/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the mortgage statement evidencing the mortgage payment of $1,857.13 that was included the debt ratio for the borrower's investment property. | Received PITI $1,857 for investment property |  |  | 08/27/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 C A | A | A |  | Exempt | 1 |
| xxxxxx | 844801 | xxxxxx | 7156599 | xxxxxx | 08/05/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing business bank statement analysis worksheet confirming monthly income of $50,111.11. | Received bank statement income worksheet |  |  | 08/27/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxxxxx | 844802 | xxxxxx | 7156564 | xxxxxx | 07/31/2025 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing complete |  |  | 08/25/2025 |  | A | 1 | xxxxxx | xxxxxx | 2 | 1 C A | C | A |  | Exempt | 1 |
| xxxxxx | 844802 | xxxxxx | 7156565 | xxxxxx | 07/31/2025 | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | Need initial CD and proof it was received at least 3 days prior to xxxxxx closing date. | Documents provided |  |  | 08/25/2025 |  | A | 1 | xxxxxx | xxxxxx | 2 | 1 C A | C | A |  | Exempt | 1 |
| xxxxxx | 845031 | xxxxxx | 7158348 | xxxxxx | 08/05/2025 | Compliance | Compliance |  | Compliance - Need Evidence of Borrower Intent to Proceed |  |  | Information provided |  |  | 08/12/2025 |  | A | 1 | xxxxxx | xxxxxx | 2 | 1 C B | C | A |  | Exempt | 1 |
| xxxxxx | 845031 | xxxxxx | 7158349 | xxxxxx | 08/08/2025 | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | A valid fraud report with scores for the borrowers was not provided. Provide fraud report with scores and all high and medium alerts cleared. | Received fraud report with all alerts cleared. |  |  | 08/22/2025 |  | A | 1 | xxxxxx | xxxxxx | 2 | 1 C B | C | A |  | Exempt | 1 |
| xxxxxx | 845031 | xxxxxx | 7158350 | xxxxxx | 08/08/2025 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | Exception required to allow 75% LTV vs program maximum of 70% LTV on xxxxxx purchase. |  | Client waived with compensating factors: Residual income of $6,091.47; DTI of 30.398% is 10% or more under max allowed of 43%; 5+ years in same business and Reserves of 16.00 months after closing where only 12 months were required |  |  |  | 08/08/2025 B | 2 | xxxxxx | xxxxxx | 2 | 1 C B | C | A |  | Exempt | 1 |
| xxxxxx | 845031 | xxxxxx | 7158351 | xxxxxx | 09/12/2025 | Credit | UW Collateral |  | UW Collateral - UW - Client Condo Warranty Requirements |  | Exception required due to xxxxxx units of a total xxxxxx units are investor owned units causing 62.50% investor concentration. |  | Client waived with compensating factors: Residual income of $6,091.47; DTI of 30.398% is 10% or more under max allowed of 43%; 5+ years in same business and Reserves of 16.00 months after closing where only 12 months were required |  |  |  | 09/12/2025 B | 2 | xxxxxx | xxxxxx | 2 | 1 C B | C | A |  | Exempt | 1 |
| xxxxxx | 845031 | xxxxxx | 7158352 | xxxxxx | 09/12/2025 | Credit | UW Collateral |  | UW Collateral - UW - Client Condo Warranty Requirements |  | Exception required due to condo project is xxxxxx and guidelines require at least 40% of units to be owner occupied. |  | Client waived with compensating factors: Residual income of $6,091.47; DTI of 30.398% is 10% or more under max allowed of 43%; 5+ years in same business and Reserves of 16.00 months after closing where only 12 months were required |  |  |  | 09/12/2025 B | 2 | xxxxxx | xxxxxx | 2 | 1 C B | C | A |  | Exempt | 1 |
| xxxxxx | 845036 | xxxxxx | 7156513 | xxxxxx | 08/09/2025 | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Hazard policy expires within 30 days, please provide updated policy. | Information provided |  |  | 08/25/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 C A | A | A |  | Exempt | 1 |
| xxxxxx | 845036 | xxxxxx | 7156514 | xxxxxx | 08/13/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Brws who don't have a complete 12-month housing history are subject to all of the following restrictions Prim Res only. Max DTI 45%. Fully executed VOR/VOM with all applicable payments documented. VOM provided 11 months. Payment verification missing December 2024 payment. No VOR provided. | Received VOM reflecting mortgage payment made for 12/2024 and next due 7/1/2025 |  |  | 08/28/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 C A | A | A |  | Exempt | 1 |
| xxxxxx | 845038 | xxxxxx | 7156517 | xxxxxx | 08/12/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | Provide bank statement analysis worksheet. | Received bank statement analysis worksheet. |  |  | 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | A | A |  | Exempt | 1 |
| xxxxxx | 845053 | xxxxxx | 7156539 | xxxxxx | 08/07/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | Missing the income calculation worksheet for the business bank statement analysis for borrower, xxxxxx. | Bank statement income calculator work sheet provided |  | Client 08/27/2025 02:01 PM; Income calc sheets uploaded for your review. xxxxxx. <br>Reviewer 08/27/2025 03:47 PM; Condition has been reviewed. xxxxxx<br>| 08/27/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 C A | A | A C |  | Exempt | 1 |
| xxxxxx | 845053 | xxxxxx | 7156540 | xxxxxx | 08/07/2025 | Valuation | UW Collateral |  | UW Collateral - UW - Collateral not acceptable/warrantable |  | Ineligible Property Type Per guidelines, xxxxxx are ineligible. The appraiser noted that the subject property includes approximately xxxxxx acres of xxxxxx currently in production, which are leased at a nominal rate. | Appraiser corrections on page #1 provided. |  | Client 08/27/2025 02:01 PM; Please find appraisers correction on page #1. xxxxxx. <br>Reviewer 08/27/2025 03:47 PM; Condition has been reviewed. xxxxxx<br>| 08/27/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 C A | A | A C |  | Exempt | 1 |
| xxxxxx | 845053 | xxxxxx | 7156541 | xxxxxx | 08/07/2025 | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Correction/Clarification |  | Missing confirmation that in the event the property was destroyed, it could be rebuilt to the current density. The property is classified as Legal Non-Conforming (grandfathered); and while the existing residential improvements are legally permissible under current zoning and reflect the highest and best use of the site, appraisal comment confirming the property could be rebuilt to the current density in the event of destruction was not provided. | Appraiser corrections on page #1 provided. Legal non-conforming (grandfathered)checked in error. |  |  | 08/27/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 C A | A | A C |  | Exempt | 1 |
| xxxxxx | 845055 | xxxxxx | 7156552 | xxxxxx | 08/11/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | A bank statement analysis was not provided. | Received Bank statement income worksheet |  |  | 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 2 | 13 C A | A | A |  | Exempt | 1 |
| xxxxxx | 845056 | xxxxxx | 7156553 | xxxxxx | 08/07/2025 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 08/19/2025 |  | A | 1 | xxxxxx | xxxxxx | 2 | 1 C A | C | A |  | Exempt | 1 |
| xxxxxx | 845056 | xxxxxx | 7156554 | xxxxxx | 08/07/2025 | Compliance | Compliance |  | Compliance - CD- Missing |  | Provide Initial CD. | Information provided |  | Reviewer 08/14/2025 01:54 PM; Received xxxxxx CD. Please provide evidence it was received by the borrower at least 3 days prior to closing<br>| 08/19/2025 |  | A | 1 | xxxxxx | xxxxxx | 2 | 1 C A | C | A |  | Exempt | 1 |
| xxxxxx | 845056 | xxxxxx | 7156555 | xxxxxx | 08/13/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Per guidelines foreign national borrowers without qualifying xxxxxx credit requires Credit Card Statements with a minimum of 12 recent credit card statements reflecting a timely payment history, in file provided is only a 7 month payment history. | Received over 12 months history for xxxxxx |  |  | 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 2 | 1 C A | C | A |  | Exempt | 1 |
| xxxxxx | 845061 | xxxxxx | 7156561 | xxxxxx | 08/07/2025 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 08/26/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 C A | C | A |  | Exempt | 1 |
| xxxxxx | 845061 | xxxxxx | 7156562 | xxxxxx | 08/07/2025 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing 10% tolerance for increases in the Recording fee in Sec E of the xxxxxx LE and again on the xxxxxx final CD. The COC's for these dates do not give a valid reason for this fee increase. Violation amount is $43.30. Need a PCCD with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within 60 days of consummation. | Information provided |  | Reviewer 08/15/2025 12:58 PM; COC provided is for the xxxxxx. Fee didn't increase until xxxxxx LE and xxxxxx CD. Refund is required<br>| 08/26/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 C A | C | A |  | Exempt | 1 |
| xxxxxx | 845063 | xxxxxx | 7157717 | xxxxxx | 08/06/2025 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | The Appraisal was not completed by an appraisal management company xxxxxx. |  | Client Waived with Compensating Factors: LTV of 38% is more than 10% below the maximum of 80%; DTI of 37.82% is more than 10% below maximum of 50%; and Reserves of $273,203 (48.02 months) exceed the minimum required of 3 months |  |  |  | 08/06/2025 B | 2 | xxxxxx | xxxxxx | 1 | 13 C B A | A | A C B |  | Exempt | 1 |
| xxxxxx | 845063 | xxxxxx | 7157718 | xxxxxx | 08/06/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet required |  | Missing the income calculation worksheet documenting the bank statement analysis for the borrower. | Bank statement calculator provided |  |  | 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C B A | A | A C B |  | Exempt | 1 |
| xxxxxx | 845064 | xxxxxx | 7154521 | xxxxxx | 08/11/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | A bank statement analysis was not provided. | Received bank statement income worksheet |  |  | 08/18/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxxxxx | 845076 | xxxxxx | 7156590 | xxxxxx | 08/11/2025 | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide secondary valuation as CU score was not provided. | Received CDA |  |  | 08/26/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 D A | A | A C |  | Exempt | 1 |
| xxxxxx | 845076 | xxxxxx | 7156591 | xxxxxx | 08/11/2025 | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Correction/Clarification |  | Page 1 of the appraisal report identifies the property location as xxxxxx; however, both the Neighborhood section and Page 2 of the report classify the property as xxxxxx. | Neighborhood Characteristics is xxxxxx over 75% built-up Location is xxxxxx; therefore, the subject has a xxxxxx |  | Client 08/21/2025 10:19 AM; Which section in neighborhood section is reporting xxxxxx? <br>Reviewer 08/21/2025 11:02 AM; Condition has been reviewed. xxxxxx<br>| 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 D A | A | A C |  | Exempt | 1 |
| xxxxxx | 845076 | xxxxxx | 7156592 | xxxxxx | 08/11/2025 | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | The transaction printout for the asset statement was not dated and did not contain the website URL. | Transaction history is reporting dates; xxxxxx |  | Client 08/21/2025 10:22 AM; Transaction history is reporting dates; xxxxxx<br>Reviewer 08/21/2025 11:02 AM; Condition has been reviewed. xxxxxx<br>| 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 D A | A | A C |  | Exempt | 1 |
| xxxxxx | 845097 | xxxxxx | 7156520 | xxxxxx | 08/12/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | A calculation worksheet was not provided for converting the borrowers income xxxxxx into xxxxxx. Provide evidence the conversion was calculated properly. | Documents received |  |  | 09/02/2025 |  | A | 1 | xxxxxx | xxxxxx | 2 | 1 C A | A | A |  | Exempt | 1 |
| xxxxxx | 845098 | xxxxxx | 7156527 | xxxxxx | 08/12/2025 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Brws who don't have 12 month housing history subject to following. \*Max DTI 45%. Brw DTI 45.20% / 45.80% based on updated credit pull. Brw living with daughter-in-law for the last 13 months. 12 month of Daughter-in-laws mtg statement provided, not proof of brws payments to Daughter-in-law. | received payment documentation for rent |  |  | 08/19/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 C A | A | A |  | Exempt | 1 |
| xxxxxx | 845098 | xxxxxx | 7156528 | xxxxxx | 08/12/2025 | Credit | UW Other |  | UW Other - UW - Title/Deed to evidence ownership |  | PTF condition 60 Loan to close with title vested as xxxxxx, an unmarried man. Pg 280 QCD found but not executed. Brw currently on title as of xxxxxx with two other people. | Received quit claim deed to xxxxxx, an unmarried man. |  |  | 08/22/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 C A | A | A |  | Exempt | 1 |
| xxxxxx | 845112 | xxxxxx | 7156548 | xxxxxx | 08/13/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | Missing the income calculation worksheets for the business bank statement analysis for both borrowers. | Bank statement income calculator work sheets provided |  |  | 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C B | A | A |  | Exempt | 1 |
| xxxxxx | 845112 | xxxxxx | 7156549 | xxxxxx | 08/13/2025 | Credit | UW Credit |  | UW Credit - UW - Evidence Satisfaction of Debt |  | Liabilities were omitted from the qualifying ratios despite reflecting current outstanding balances. Zero balance letters from creditors are dated prior to the Undisclosed Debt Monitoring (UDN) report, which indicates balances greater than $0.00. | Account statements reflecting $0 balances provided |  |  | 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C B | A | A |  | Exempt | 1 |
| xxxxxx | 845112 | xxxxxx | 7156550 | xxxxxx | 08/13/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing current evidence that the co-borrower is up to date on payments for the tax installment plan. The letter in the file is dated xxxxxx, but updated documentation is required to confirm that payments are current, as a Tax Lien was originally filed in xxxxxx. | Installment agreement and 12-month history provided |  |  | 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C B | A | A |  | Exempt | 1 |
| xxxxxx | 845112 | xxxxxx | 7156551 | xxxxxx | 08/13/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing evidence the underwriter reviewed and approved the Non-Sufficient Funds (NSF) and negative account balance for the co-borrower. There were 37 NSF charges within the last 12 months and 10 occurred within the last 60 days. |  | Client waived with compensating factors: Owned primary 25+ years, reserves $130,293.78 (20.55 months), self-employed 5 years. | Client 08/21/2025 08:26 AM; UW discretion on 1008<br>Reviewer 08/21/2025 09:22 AM; Condition has been reviewed xxxxxx<br>|  |  | 08/21/2025 B | 2 | xxxxxx | xxxxxx | 1 | 1 C B | A | A |  | Exempt | 1 |
| xxxxxx | 845121 | xxxxxx | 7156581 | xxxxxx | 08/15/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | FICO exception to allow 80% LTV with a sub 700 FICO. |  | Client Waived with Compensating Factors: 18.61 months reserves when only 3 months required. Residual income of $13,691.60 exceeds the minimum required of $3000. |  |  |  | 08/18/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 845121 | xxxxxx | 7156582 | xxxxxx | 08/15/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | Missing required subject property rental income documentation per guidelines Rental income from new lease required documentation is provide a Copy of executed lease, and verification of security deposit and first-month's rent deposited to borrower's account. May not be leased to a family member. | 1007 provided |  | Client 08/21/2025 06:22 AM; uploaded 1007<br>Reviewer 08/21/2025 07:59 AM; Condition has been reviewed xxxxxx<br>| 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 845123 | xxxxxx | 7156593 | xxxxxx | 08/12/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide bank statement analysis worksheet for the borrower for both(2) businesses. | Bank statement calculation work sheet provided |  |  | 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D A | A | A |  | Exempt | 1 |
| xxxxxx | 845123 | xxxxxx | 7156594 | xxxxxx | 08/12/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | Provide evidence CPA was verified. No documentation verifying the CPA was provided. | CPA verification provided |  |  | 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D A | A | A |  | Exempt | 1 |
| xxxxxx | 846043 | xxxxxx | 7157721 | xxxxxx | 08/20/2025 | Credit | Closing Package |  | Closing Package - |  | Please provide signed Settlement Statement. | Information provided |  |  | 08/25/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 846043 | xxxxxx | 7157722 | xxxxxx | 08/20/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | The Exhibit A is missing from file. Please provide, along with LOI to re-record. | Information provided |  |  | 08/25/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 846043 | xxxxxx | 7157723 | xxxxxx | 08/21/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | The borrower used co-mingled accounts for business income calculation and is not the sole owner of the account as required by guideline. |  | Client waived with compensating factors: The FICO is 733 and the minimum is 660; The Max LTV is 80% and the subject loan LTV is 68.77%. The Max DTI is 50% and the borrower's DTI is 16.989% and 24.56 months reserves where only 6 months are required. |  |  |  | 08/21/2025 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 846048 | xxxxxx | 7156598 | xxxxxx | 08/12/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | A bank statement analysis was not provided. | Received bank statement income worksheet |  |  | 08/22/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 846050 | xxxxxx | 7156603 | xxxxxx | 08/17/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | The Exhibit A is missing from file. Please provide, along with LOI to re-record. | Information provided |  |  | 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 846055 | xxxxxx | 7156504 | xxxxxx | 07/29/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet required |  | Missing the income calculation worksheet evidencing the underwriter calculation of the business bank statement analysis. | Income worksheets provided for 2 accounts |  | Client 08/13/2025 12:24 PM; Please find income calc worksheets for your review. xxxxxx so much. <br>Reviewer 08/13/2025 01:03 PM; Condition has been reviewed. xxxxxx<br>| 08/13/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxxxxx | 846058 | xxxxxx | 7156515 | xxxxxx | 08/17/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Loan amount xxxxxx below the Maximum $150,000.00 allowed. |  | Client waived with compensating factors: self-employed 24.5 years, DTI of 28.81% where the max 45%. Reserves $12,740.04=6.39 months where the minimum required is 3 months, and residual income of $17,690.00 greater than $3,000.00. |  |  |  | 08/17/2025 B | 2 | xxxxxx | xxxxxx | 1 | 1 C B | A | A |  | Exempt | 1 |
| xxxxxx | 846058 | xxxxxx | 7156516 | xxxxxx | 08/17/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide bank statement income worksheet supporting $24,851.87/mo. | Received bank statement income worksheet |  |  | 08/25/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C B | A | A |  | Exempt | 1 |
| xxxxxx | 846063 | xxxxxx | 7156533 | xxxxxx | 08/18/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing a business statement analysis worksheet which verifies a monthly income of $18,243.67 | received business statement analysis worksheet |  |  | 08/20/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | A | A |  | Exempt | 1 |
| xxxxxx | 846070 | xxxxxx | 7158329 | xxxxxx | 08/13/2025 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 08/20/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | C | A |  | Exempt | 1 |
| xxxxxx | 846070 | xxxxxx | 7158330 | xxxxxx | 08/13/2025 | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | Need proof borrower received initial CD dated xxxxxx 3 days prior to consummation. | Information provided |  |  | 08/20/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | C | A |  | Exempt | 1 |
| xxxxxx | 846070 | xxxxxx | 7158331 | xxxxxx | 08/17/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Income calculation worksheet missing from the file. An income calculation worksheet is required for all bank statement loans. | Received bank statement income worksheet |  |  | 08/26/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | C | A |  | Exempt | 1 |
| xxxxxx | 846070 | xxxxxx | 7158332 | xxxxxx | 08/17/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Verification of Borrower's Permanent Resident Alien status/legal residency missing from the file. The 1003 reflects the Borrower is a permanent resident alien. Verification of legal residence status is missing from the file. | Received Permanent Resident Alien card. |  |  | 08/27/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | C | A |  | Exempt | 1 |
| xxxxxx | 846074 | xxxxxx | 7156580 | xxxxxx | 08/17/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | A bank statement analysis of the borrowers income is required per guidelines. Provide bank statement ananlysis. | Received 12 month bank statement income worksheet |  |  | 08/26/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxxxxx | 846079 | xxxxxx | 7156596 | xxxxxx | 08/17/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | Provide bank statement analysis worksheet. | Bank statement income calculator provided |  |  | 08/26/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxxxxx | 846083 | xxxxxx | 7156607 | xxxxxx | 08/13/2025 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 08/20/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D A | C | A |  | Exempt | 1 |
| xxxxxx | 846083 | xxxxxx | 7156608 | xxxxxx | 08/13/2025 | Compliance | Compliance |  | Compliance - CD- Other |  | Provide evidence Initial CD was rec'd by the borrower at least 3 days prior to consummation date of xxxxxx. | Information provided |  |  | 08/20/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D A | C | A |  | Exempt | 1 |
| xxxxxx | 846083 | xxxxxx | 7156609 | xxxxxx | 08/18/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | Provide bank statement analysis worksheet for the borrower. | Received bank statement income worksheet= $11,133 within tolerance |  |  | 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D A | C | A |  | Exempt | 1 |

---

## Exhibit 99.37

**EXHIBIT 99.37**

**eVOLVE DATA COMPARE**

![](tm25265941d1_ex99-37img001.jpg)

**Data Compare**

Run Date - 09/12/2025 11:52:01 AM

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| xxxxxx | 839432 | xxxxxx | Doc Type | 24 Mo. Business Bank Statements | P&L | Verified P&L with 1008 |
| xxxxxx | 839432 | xxxxxx | Maturity Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 839432 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 839432 | xxxxxx | QM Status |  | Exempt | Business Purpose Product |
| xxxxxx | 839712 | xxxxxx | Doc Type | Alternative | Bank Statement | Verified with final approval and income documentation. |
| xxxxxx | 841860 | xxxxxx | Doc Type | Alternative | Bank Statement | NA verified with loan approval |
| xxxxxx | 841860 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | NA verified value with appraisal |
| xxxxxx | 841860 | xxxxxx | PITI | 6257.58 | 6211.43 | NA verified the difference is the flood ins of 46.15 |
| xxxxxx | 843201 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843201 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843201 | xxxxxx | Product Code | xxxxxx | xxxxxx | same |
| xxxxxx | 843201 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 843215 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843215 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843215 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843215 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843238 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843238 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843238 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843240 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843240 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843240 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843240 | xxxxxx | Property Zip | xxxxxx | xxxxxx | verified |
| xxxxxx | 843240 | xxxxxx | Property Type | Four Family | 5-10 Family | Verified with Appraisal subject is a 6-unit dwelling |
| xxxxxx | 843240 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843248 | xxxxxx | DSCR | 0.980 | 1.030 | Verified with market rent and piti |
| xxxxxx | 843248 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843248 | xxxxxx | Original Amortization Term | 360 | 240 | verified |
| xxxxxx | 843248 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843248 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843251 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843251 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 843251 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843251 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843260 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843260 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843260 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843260 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843261 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843261 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843261 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843261 | xxxxxx | PITI | 2093.83 | 1844.83 | PITI 1844.83 + HOA 249.00= 2093.83 |
| xxxxxx | 843261 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843261 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843261 | xxxxxx | Property Type | Non-Warrantable Condo | Condo-Lo 1-4 Stories | Verified by appraisal |
| xxxxxx | 843261 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843267 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 843267 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 843267 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843267 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 843267 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843267 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843271 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 843271 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 843271 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843271 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 843271 | xxxxxx | Product Code | xxxxxx | xxxxxx | Verified the same. Variance due to abbreviation. |
| xxxxxx | 843271 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843281 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843281 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843295 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843295 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843295 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843295 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843295 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843295 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843297 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843297 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843297 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843301 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843301 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843301 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843301 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843303 | xxxxxx | DSCR | 1.510 | 1.540 | Verified with rents $4050/PITI $2637.80 |
| xxxxxx | 843303 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843303 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843303 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843304 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843304 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843304 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843304 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843304 | xxxxxx | Property Zip | xxxxxx | xxxxxx | verified |
| xxxxxx | 843304 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843305 | xxxxxx | DSCR | 1.170 | 1.200 | Total PITI $4178.44 / Market Rents $5,000 |
| xxxxxx | 843305 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843305 | xxxxxx | Original Interest Rate | 0.075 | 0.0725 | Verified w/ note |
| xxxxxx | 843305 | xxxxxx | Original P&I | 3476.84 | 3392.12 | Verified w/ note |
| xxxxxx | 843305 | xxxxxx | PITI | 4263.16 | 4178.44 | Verified with First Payment Letter |
| xxxxxx | 843305 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 843305 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843305 | xxxxxx | Qualifying Credit Score | 753 | 736 | Verified with Credit Report dated 6/11/2025 |
| xxxxxx | 843314 | xxxxxx | DSCR | 1.410 | 1.490 | verified with PITI payment $5162.39 and market rents $7700 |
| xxxxxx | 843314 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843314 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843314 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843314 | xxxxxx | PITI | 5031.11 | 5162.39 | Verified with Note, Tax Cert and Insurance. Bid Tape monthly taxes $393.85; audit taxes $xxxxxx |
| xxxxxx | 843314 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843314 | xxxxxx | Product Code | xxxxxx | xxxxxx | same |
| xxxxxx | 843314 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843317 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843317 | xxxxxx | PITI | 2091.22 | 2080.39 | Verified with Note, Insurance, and Taxes. Bid tape includes HOA Dues. |
| xxxxxx | 843317 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843317 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843319 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843319 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843325 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843325 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843325 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843325 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843328 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843328 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843328 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843328 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843330 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843330 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843330 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843330 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843332 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 843332 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 843332 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843332 | xxxxxx | PITI | 1318.99 | 1318.98 | Same variance due to rounding. |
| xxxxxx | 843332 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843332 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843341 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843341 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843341 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843341 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843341 | xxxxxx | Product Code | xxxxxx | xxxxxx | same |
| xxxxxx | 843341 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843352 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843352 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843352 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843365 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 843365 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 843365 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843365 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 843365 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843365 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843366 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843366 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843366 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843366 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843378 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843378 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 843378 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843381 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843381 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843381 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843384 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843384 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 843384 | xxxxxx | DSCR | 1.2 | 1.28 | Verified |
| xxxxxx | 843386 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843386 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843386 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 843391 | xxxxxx | DSCR | 1.400 | 1.430 | Total PITI $1293.18 / Total Market Rents $1850 |
| xxxxxx | 843391 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843391 | xxxxxx | PITI | 1319.14 | 1293.18 | Verified with Note, INsurance and Tax Cert; variance due to mnthly pymt for HOI. |
| xxxxxx | 843391 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 843391 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843391 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843403 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843403 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 843403 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843403 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843663 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxxxxx | 843663 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843663 | xxxxxx | PITI | 5336.80 | 5149.80 | Less HOA |
| xxxxxx | 843663 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843663 | xxxxxx | Qualifying DTI | 11.91100 | 0.14104 | Verified with total debt $6911.85/Total income $52106.13 |
| xxxxxx | 843669 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with Lock Confirmation and Loan Approval |
| xxxxxx | 843669 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843669 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843669 | xxxxxx | Qualifying DTI | 13.98600 | 0.13986 | Verified the same. Variance due to decimal placement. |
| xxxxxx | 843698 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Same |
| xxxxxx | 843698 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843698 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 843698 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843698 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843698 | xxxxxx | Qualifying DTI | 11.84800 | 0.11848 | Same |
| xxxxxx | 843701 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxxxxx | 843701 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843701 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843701 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843701 | xxxxxx | Qualifying DTI | 18.39100 | 0.18391 | Same |
| xxxxxx | 843716 | xxxxxx | Doc Type | Alternative Doc | P&L | Verified with loan approval |
| xxxxxx | 843716 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843716 | xxxxxx | PITI | 3185.76 | 3152.42 | Verified PITI only |
| xxxxxx | 843716 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 843716 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843716 | xxxxxx | Qualifying DTI | 35.34900 | 0.35349 | Same |
| xxxxxx | 844423 | xxxxxx | Property Zip | xxxxxx | xxxxxx | Original Data is correct per note |
| xxxxxx | 844781 | xxxxxx | Doc Type | Alternative Doc | Asset Utilization | Verified with lock confirmation and approval. |
| xxxxxx | 844781 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 844781 | xxxxxx | PITI | 4335.37 | 3469.70 | Bid Tape included HOA dues and audited did not however, the data was entered in the system. |
| xxxxxx | 844781 | xxxxxx | Product Code | xxxxxx | xxxxxx | same |
| xxxxxx | 844781 | xxxxxx | Property Type | Condo-Lo 1-4 Stories | Condo-Hi >8 Stories | Verified with the appraisal. |
| xxxxxx | 844781 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 844781 | xxxxxx | Qualifying DTI | 46.13900 | 0.46139 | same |
| xxxxxx | 844783 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 844783 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 844783 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 844783 | xxxxxx | Qualifying DTI | 42.59100 | 0.42591 | Same |
| xxxxxx | 844784 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with income documentation |
| xxxxxx | 844784 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 844784 | xxxxxx | Product Code | xxxxxx | xxxxxx | same |
| xxxxxx | 844784 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 844784 | xxxxxx | Qualifying DTI | 49.40400 | 0.49477 | Verified with total debt of 8,539.82/income of $17,260.24=49.47% |
| xxxxxx | 844786 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | 12-month bank statement loan |
| xxxxxx | 844786 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 844786 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 844786 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 844786 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 844787 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with Lock Confirmation and Loan Approval |
| xxxxxx | 844787 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 844787 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 844787 | xxxxxx | Qualifying DTI | 10.39600 | 0.10396 | same |
| xxxxxx | 844788 | xxxxxx | Doc Type | Alternative Doc | P&L | Verified with loan approval |
| xxxxxx | 844788 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 844788 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 844788 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 844788 | xxxxxx | PITI | 10148.16 | 9981.16 | Less HOA |
| xxxxxx | 844788 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 844789 | xxxxxx | Doc Type | Alternative Doc | P&L | Verified with income documentation. |
| xxxxxx | 844789 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 844789 | xxxxxx | Product Code | xxxxxx | xxxxxx | same |
| xxxxxx | 844789 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 844789 | xxxxxx | Qualifying DTI | 29.96900 | 0.29969 | same |
| xxxxxx | 844790 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | 24 months business bank statement loan. |
| xxxxxx | 844790 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 844790 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 844790 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 844790 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 844790 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 844790 | xxxxxx | Qualifying DTI | 43.52700 | 0.42960 | Slight variation on income calculation in review. Note in workbook. |
| xxxxxx | 844792 | xxxxxx | Doc Type | Alternative Doc | P&L | Verified by rate lock as P&L |
| xxxxxx | 844792 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 844792 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 844792 | xxxxxx | Qualifying DTI | 44.68900 | 0.44689 | Same |
| xxxxxx | 844793 | xxxxxx | Doc Type | Alternative Doc | P&L | Verified with Loan Approval and Lock Confirmation |
| xxxxxx | 844793 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 844793 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 844793 | xxxxxx | Qualifying DTI | 43.12400 | 0.43124 | Same; variance due to rounding |
| xxxxxx | 844796 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | 12-month business bank statement loan |
| xxxxxx | 844796 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 844796 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 844796 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 844796 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 844796 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 844796 | xxxxxx | Qualifying DTI | 38.35700 | 0.38357 | Same |
| xxxxxx | 844799 | xxxxxx | Doc Type | Alternative Doc | P&L | Verified with Loan Approval & 1008 |
| xxxxxx | 844799 | xxxxxx | DSCR | 0.420 |  | not DSCR loan, P&L loan |
| xxxxxx | 844799 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 844799 | xxxxxx | Product Code | xxxxxx | xxxxxx | Verified with Loan approval. |
| xxxxxx | 844799 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 844799 | xxxxxx | Qualifying DTI | 41.84100 | 0.40784 | Verified with P&L, 1025, and Credit Report. |
| xxxxxx | 844800 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with lock confirmation, approval and income documentation. |
| xxxxxx | 844800 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 844800 | xxxxxx | Product Code | xxxxxx | xxxxxx | same |
| xxxxxx | 844800 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 844800 | xxxxxx | Qualifying DTI | 22.68100 | 0.22681 | same |
| xxxxxx | 844801 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified by rate lock as bank statement |
| xxxxxx | 844801 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 844801 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 844801 | xxxxxx | Property Zip | xxxxxx | xxxxxx | verified |
| xxxxxx | 844801 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 844801 | xxxxxx | Qualifying DTI | 17.52300 | 0.21527 | Verified by final loan docs at 21.527 |
| xxxxxx | 844802 | xxxxxx | Doc Type | Alternative Doc | P&L | verified with loan approval |
| xxxxxx | 844802 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 844802 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 844802 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 844802 | xxxxxx | Product Code | xxxxxx | xxxxxx | same |
| xxxxxx | 844802 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 844802 | xxxxxx | Qualifying DTI | 11.20900 | 0.11209 | same |
| xxxxxx | 845031 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 845031 | xxxxxx | PITI | 2660.34 | 2210.34 | Audit data reflects PITI; bid tape includes HOA Dues |
| xxxxxx | 845031 | xxxxxx | Product Code | xxxxxx | xxxxxx | same |
| xxxxxx | 845031 | xxxxxx | Property Type | Non-Warrantable Condo | Condo-Lo 1-4 Stories | Verified with appraisal. |
| xxxxxx | 845031 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 845036 | xxxxxx | Doc Type | Alternative Doc | P&L | 12 - month P&L 6/2024 to 7/2025 |
| xxxxxx | 845036 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 845036 | xxxxxx | PITI | 2422.11 | 2001.11 | $421 HOA fee not included |
| xxxxxx | 845036 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 845036 | xxxxxx | Qualifying DTI | 38.94500 | 0.39284 | With-in tolerance. $35 student loan payment not included in original DTI calculations. |
| xxxxxx | 845038 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxxxxx | 845038 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 845038 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 845038 | xxxxxx | Qualifying DTI | 43.08800 | 0.43088 | same |
| xxxxxx | 845040 | xxxxxx | Doc Type | Alternative Doc | Asset Utilization | verified |
| xxxxxx | 845040 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 845040 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 845053 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with Lock Confirmation and Loan Approval |
| xxxxxx | 845053 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 845053 | xxxxxx | PITI | 7353.57 | 7365.43 | Verified with Note, Insurance, and Property Taxes |
| xxxxxx | 845053 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 845053 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 845053 | xxxxxx | Qualifying DTI | 13.07800 | 0.13864 | Total Monthly Debts $7455.44 / Total Monthly Income $53,773.96 |
| xxxxxx | 845055 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxxxxx | 845055 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 845055 | xxxxxx | PITI | 7200.89 | 7080.89 | verified PITI only |
| xxxxxx | 845055 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 845055 | xxxxxx | Qualifying DTI | 14.29600 | 0.14296 | same |
| xxxxxx | 845056 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 845056 | xxxxxx | PITI | 5749.25 | 5204.25 | verified with first payment letter |
| xxxxxx | 845056 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 845061 | xxxxxx | Doc Type | Alternative Doc | P&L | P&L for 18 months proof of income |
| xxxxxx | 845061 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 845061 | xxxxxx | PITI | 1552.51 | 1439.51 | $113 HOA fee not included |
| xxxxxx | 845061 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 845061 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 845061 | xxxxxx | Qualifying DTI | 27.55700 | 0.27635 | Higher income calculation |
| xxxxxx | 845061 | xxxxxx | Self-Employment Flag | N | Y | Verified with cpa letter |
| xxxxxx | 845063 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with Loan Approval and Rate Confirmation |
| xxxxxx | 845063 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 845063 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 845063 | xxxxxx | Qualifying DTI | 39.05100 | 0.39977 | Total Monthly Debt $9777.40 / Total Income $25853.62 |
| xxxxxx | 845064 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | 12 - month Business Bank Statements |
| xxxxxx | 845064 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 845064 | xxxxxx | PITI | 2447.50 | 2406.83 | HOA $40.67 not included in PITI |
| xxxxxx | 845064 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 845064 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 845064 | xxxxxx | Qualifying DTI | 21.40400 | 0.20413 | WIthin tolerance |
| xxxxxx | 845076 | xxxxxx | Doc Type | Alternative Doc | P&L | Verified with Lock Confirmation and Loan Approval |
| xxxxxx | 845076 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 845076 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 845076 | xxxxxx | Qualifying DTI | 19.93000 | 0.19930 | Same; variance due to rounding |
| xxxxxx | 845082 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | 12-month Business bank statements plus W2 income |
| xxxxxx | 845082 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 845082 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 845082 | xxxxxx | Qualifying DTI | 45.81100 | 0.45930 | within tolerance |
| xxxxxx | 845082 | xxxxxx | Self-Employment Flag | N | Y | Co-brw S/E and W2 income |
| xxxxxx | 845097 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 845097 | xxxxxx | PITI | 4688.73 | 4418.73 | Verified PITI only |
| xxxxxx | 845097 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 845097 | xxxxxx | Qualifying DTI | 41.63100 | 0.41631 | same |
| xxxxxx | 845098 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | 12-month Business Bank Statement Loan |
| xxxxxx | 845098 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 845098 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 845098 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 845098 | xxxxxx | Qualifying DTI | 45.50200 | 0.45807 | With-in tolerance. Credit Refresh $25 increase on Liabilities |
| xxxxxx | 845112 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with Lock Confirmation and Loan Approval |
| xxxxxx | 845112 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 845112 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 845112 | xxxxxx | Qualifying DTI | 49.99200 | 0.49992 | Total Monthly Debts $12,023.12 / Total Monthly Income $23,808.04 |
| xxxxxx | 845116 | xxxxxx | Doc Type | Alternative Doc | Asset Utilization | verified with loan approval |
| xxxxxx | 845116 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 845116 | xxxxxx | PITI | 3416.12 | 3366.12 | verified with first payment letter |
| xxxxxx | 845116 | xxxxxx | Product Code | xxxxxx | xxxxxx | same |
| xxxxxx | 845116 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 845116 | xxxxxx | Qualifying DTI | 38.38400 | 0.38384 | same |
| xxxxxx | 845121 | xxxxxx | Doc Type | Alternative Doc | P&L | verified with loan approval |
| xxxxxx | 845121 | xxxxxx | DSCR | 0.390 |  | not a DSCR loan |
| xxxxxx | 845121 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 845121 | xxxxxx | PITI | 7174.73 | 7091.73 | verified with first payment letter |
| xxxxxx | 845121 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 845121 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 845121 | xxxxxx | Qualifying DTI | 44.21000 | 0.44210 | same; variance due to decimal placement |
| xxxxxx | 845123 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | verified with loan approval |
| xxxxxx | 845123 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 845123 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 845123 | xxxxxx | Qualifying DTI | 29.84100 | 0.38155 | verified with income documentation and total debts |
| xxxxxx | 846043 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with lock confirmation and income documentation |
| xxxxxx | 846043 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 846043 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 846043 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846043 | xxxxxx | Product Code | xxxxxx | xxxxxx | same |
| xxxxxx | 846043 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846043 | xxxxxx | Qualifying DTI | 16.98900 | 0.16989 | same |
| xxxxxx | 846048 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxxxxx | 846048 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 846048 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 846048 | xxxxxx | Product Code | xxxxxx | xxxxxx | same |
| xxxxxx | 846048 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 846048 | xxxxxx | Qualifying DTI | 24.65100 | 0.24744 | Verified with credit report and bank statements for income |
| xxxxxx | 846050 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | 12-month Business Bank Statement loan |
| xxxxxx | 846050 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846050 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 846050 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846050 | xxxxxx | Qualifying DTI | 49.20600 | 0.49206 | SAME |
| xxxxxx | 846050 | xxxxxx | Self-Employment Flag | N | Y | 12-month Business Bank Statement loan |
| xxxxxx | 846052 | xxxxxx | Doc Type | Alternative Doc | P&L | P&L loan Approval |
| xxxxxx | 846052 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846052 | xxxxxx | PITI | 2641.20 | 2630.37 | $10.30 monthly HOA |
| xxxxxx | 846052 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846055 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with Lock Confirmation and Loan Approval |
| xxxxxx | 846055 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846055 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846055 | xxxxxx | Qualifying DTI | 31.49800 | 0.32945 | Total Monthly Debt $11,225.23 / Total Income $34,072.70 |
| xxxxxx | 846058 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Same |
| xxxxxx | 846058 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846058 | xxxxxx | PITI | 1994.34 | 1464.34 | $1464.34 + $530.00 HOA |
| xxxxxx | 846058 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846058 | xxxxxx | Qualifying DTI | 28.81500 | 0.28815 | Same |
| xxxxxx | 846063 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified by rate lock as bank statement |
| xxxxxx | 846063 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846063 | xxxxxx | Product Code | xxxxxx | xxxxxx | Same |
| xxxxxx | 846063 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846063 | xxxxxx | Qualifying DTI | 37.88800 | 0.37888 | Same |
| xxxxxx | 846067 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | 12 month Business Bank Statement loan |
| xxxxxx | 846067 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 846067 | xxxxxx | PITI | 9394.81 | 9365.23 | $29.58 HOA fee not included |
| xxxxxx | 846067 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 846068 | xxxxxx | Doc Type | Alternative Doc | P&L | Verified with lock confirmation |
| xxxxxx | 846068 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 846068 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 846070 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxxxxx | 846070 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 846070 | xxxxxx | PITI | 3386.37 | 3055.74 | less hoa |
| xxxxxx | 846070 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846070 | xxxxxx | Self-Employment Flag | N | Y | Verified with CPA letter |
| xxxxxx | 846074 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxxxxx | 846074 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 846074 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 846075 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with Loan Approval |
| xxxxxx | 846075 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846075 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846075 | xxxxxx | Qualifying DTI | 7.75300 | 0.07753 | Same |
| xxxxxx | 846076 | xxxxxx | Doc Type | Alternative Doc | Asset Utilization | Verified with Lock Confirmation and Loan Approval |
| xxxxxx | 846076 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified |
| xxxxxx | 846076 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified |
| xxxxxx | 846076 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 846076 | xxxxxx | PITI | 5656.21 | 5414.54 | Audit data reflects PITI; Bid tape includes HOA Dues |
| xxxxxx | 846076 | xxxxxx | Property Type | PUD-Detached | PUD-Attached | Verified with Appraisal; Semi Detached |
| xxxxxx | 846076 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 846076 | xxxxxx | Qualifying DTI | 41.58500 | 0.41585 | Same; variance due to decimal placement. |
| xxxxxx | 846078 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with income documentation and approval |
| xxxxxx | 846078 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 846078 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 846078 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846078 | xxxxxx | Product Code | xxxxxx | xxxxxx | same |
| xxxxxx | 846078 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846078 | xxxxxx | Qualifying DTI | 30.10600 | 0.30106 | same |
| xxxxxx | 846079 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxxxxx | 846079 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 846079 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 846079 | xxxxxx | Qualifying DTI | 49.34800 | 0.49348 | same |
| xxxxxx | 846081 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with Loan Approval. |
| xxxxxx | 846081 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 846081 | xxxxxx | Product Code | xxxxxx | xxxxxx | Verified with Loa Approval. |
| xxxxxx | 846081 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846081 | xxxxxx | Qualifying DTI | 11.86900 | 0.11869 | Verified with bank statements and credit report. |
| xxxxxx | 846083 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | verified with loan approval |
| xxxxxx | 846083 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846083 | xxxxxx | PITI | 4226.67 | 3342.67 | verified with first payment letter |
| xxxxxx | 846083 | xxxxxx | QM Status |  | Exempt | verified |

---

## Exhibit 99.38

**EXHIBIT 99.38**

**eVOLVE QM ATR DATA**

![](tm25265941d1_ex99-38img001.jpg)

**QM ATR Data**

Run Date - 09/12/2025 11:52:01 AM

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| xxxxxx | 839432 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 839712 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $23724.86 | xxxxxx | 8.549% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $22921.83 |
| xxxxxx | 841860 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $17562.84 | xxxxxx | 9.062% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $23755.10 |
| xxxxxx | 843201 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843215 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843238 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843240 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843248 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843251 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843260 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843261 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843267 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843271 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843281 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843295 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843297 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843301 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 843303 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843304 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843305 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843314 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843317 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 843319 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| xxxxxx | 843325 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843328 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843330 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843332 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843341 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843352 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843365 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| xxxxxx | 843366 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | R-1 Visa |  |  | No |  |
| xxxxxx | 843378 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843381 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843384 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | Other |  |  | No |  |
| xxxxxx | 843386 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843391 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843403 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843663 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| xxxxxx | 843669 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843698 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843701 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | Non Permanent Resident Alien | Other |  |  | No |  |
| xxxxxx | 843716 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 844423 | xxxxxx | Safe Harbor QM (APOR) | Not Provided | No | xxxxxx | No | No | $0.00 | xxxxxx | 7.416% | Self-Employed |  | US Citizen |  |  |  | Yes | $14633.85 |
| xxxxxx | 844781 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 844783 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 844784 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | Non Permanent Resident Alien | Other |  |  | No |  |
| xxxxxx | 844786 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 844787 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 844788 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 844789 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| xxxxxx | 844790 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 844792 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 844793 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 844796 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 844799 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 844800 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 844801 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 844802 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | Foreign National |  |  |  | No |  |
| xxxxxx | 845031 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed | Self-Employed | Foreign National |  | Foreign National |  | No |  |
| xxxxxx | 845036 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 845038 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 845040 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 845053 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 845055 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 845056 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Employed |  | Foreign National |  |  |  | No |  |
| xxxxxx | 845061 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 845063 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 845064 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 845076 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 845082 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 845097 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed | Self-Employed | Foreign National |  | Foreign National |  | No |  |
| xxxxxx | 845098 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | Non Permanent Resident Alien | Other |  |  | No |  |
| xxxxxx | 845112 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 845116 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 845121 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 845123 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | Non Permanent Resident Alien | Other |  |  | No |  |
| xxxxxx | 846043 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846048 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846050 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846052 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846055 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| xxxxxx | 846058 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846063 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846067 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846068 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846070 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| xxxxxx | 846074 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 846075 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 846076 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Retired |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846078 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | Non Permanent Resident Alien | Other |  |  | No |  |
| xxxxxx | 846079 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| xxxxxx | 846081 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 846083 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |

---

## Exhibit 99.39

**EXHIBIT 99.39**

**eVOLVE RATING AGENCY GRADES**

![](tm25265941d1_ex99-39img001.jpg)

**Rating Agency Grades**

Run Date - 09/12/2025 11:52:01 AM

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| xxxxxx | 839432 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 839712 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 841860 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 843201 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843215 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843238 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843240 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843248 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843251 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843260 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843261 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 843267 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843271 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843281 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843295 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843297 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843301 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843303 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843304 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843305 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843314 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843317 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843319 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843325 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843328 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843330 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843332 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843341 | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843352 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843365 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843366 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843378 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843381 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843384 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843386 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843391 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843403 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843663 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 843669 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 843698 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 843701 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 843716 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 844423 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 844781 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 844783 | xxxxxx | xxxxxx A | A | A | A | A | A C | A | A | A | A | A B |
| xxxxxx | 844784 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 844786 | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A |
| xxxxxx | 844787 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 844788 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 844789 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 844790 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 844792 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 844793 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 844796 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 844799 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 844800 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 844801 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 844802 | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A |
| xxxxxx | 845031 | xxxxxx | xxxxxx C | C | C | C | C | C A B | A | A | A | A | A B |
| xxxxxx | 845036 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 845038 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 845040 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 845053 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 845055 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 845056 | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A | A | A | A |
| xxxxxx | 845061 | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A |
| xxxxxx | 845063 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A B |
| xxxxxx | 845064 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 845076 | xxxxxx | xxxxxx D | A | A | A | A | A C D | A | A | A | A | A |
| xxxxxx | 845082 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 845097 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 845098 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 845112 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 845116 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 845121 | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 845123 | xxxxxx | xxxxxx D | A | A | A | A | A D | A | A | A | A | A |
| xxxxxx | 846043 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 846048 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 846050 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 846052 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 846055 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 846058 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 846063 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 846067 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 846068 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 846070 | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A | A | A | A |
| xxxxxx | 846074 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 846075 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 846076 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 846078 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 846079 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 846081 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 846083 | xxxxxx | xxxxxx D | C | C | C | C | C A D | A | A | A | A | A |

---

## Exhibit 99.40

**EXHIBIT 99.40**

**eVOLVE VALUATION REPORT**

![](tm25265941d1_ex99-40img001.jpg)

**Valuation Report**

Run Date - 09/12/2025 11:52:01 AM

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| xxxxxx | 839432 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250501 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250507 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 839712 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250513 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250516 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 841860 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250714 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843201 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250527 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843215 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250416 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| xxxxxx | 843238 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250514 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 843240 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250522 | 71A | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.58% | xxxxxx | 20250702 |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843248 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250418 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250515 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843251 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250515 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250528 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843260 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250430 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20250430 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843261 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250521 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -7.02% | xxxxxx | Moderate | 20250530 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843267 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250606 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| xxxxxx | 843271 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250528 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 843281 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250605 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -4.78% | xxxxxx | Moderate | 20250619 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| xxxxxx | 843295 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250515 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250602 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843297 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250601 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250619 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843301 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250613 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250627 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843303 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250529 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250610 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843304 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250529 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250610 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843305 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250515 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250515 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843314 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250513 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low Risk | 20250603 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843317 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250625 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| xxxxxx | 843319 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250606 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 843325 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250621 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250625 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843328 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250609 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate Risk | 20250625 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| xxxxxx | 843330 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250618 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 843332 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250527 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250612 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843341 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250528 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250612 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843352 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250618 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| xxxxxx | 843365 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250522 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250522 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843366 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250612 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20250620 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| xxxxxx | 843378 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250702 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| xxxxxx | 843381 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250625 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| xxxxxx | 843384 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250630 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low Risk | 20250706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843386 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250630 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.1 |
| xxxxxx | 843391 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250626 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| xxxxxx | 843403 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250605 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 843663 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250521 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 843669 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250701 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| xxxxxx | 843698 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250611 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250611 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843701 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250515 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20250529 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.6 |
| xxxxxx | 843716 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250612 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 844423 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250707 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | B | 20250805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 844781 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250513 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250521 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.8 |
| xxxxxx | 844783 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250614 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low Risk | 20250723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 844784 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250627 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| xxxxxx | 844786 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250623 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250627 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| xxxxxx | 844787 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250513 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20250626 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 844788 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250630 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| xxxxxx | 844789 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250630 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 844790 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250711 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| xxxxxx | 844792 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250714 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| xxxxxx | 844793 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250717 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| xxxxxx | 844796 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250609 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250630 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| xxxxxx | 844799 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250628 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 844800 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250718 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low Risk | 20250722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.3 |
| xxxxxx | 844801 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250719 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20250725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| xxxxxx | 844802 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250710 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| xxxxxx | 845031 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250619 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 845036 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250613 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -1.60% | xxxxxx | Moderate | 20250619 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| xxxxxx | 845038 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250722 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| xxxxxx | 845040 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250702 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| xxxxxx | 845053 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250506 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -0.19% | xxxxxx | Moderate | 20250506 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.4 |
| xxxxxx | 845055 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250714 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| xxxxxx | 845056 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250712 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| xxxxxx | 845061 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250715 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| xxxxxx | 845063 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250711 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| xxxxxx | 845064 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250717 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20250722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| xxxxxx | 845076 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250703 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate Risk | 20250824 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 845082 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250701 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20250730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 845097 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250702 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 845098 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250717 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 845112 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250711 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 845116 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250718 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| xxxxxx | 845121 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250627 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| xxxxxx | 845123 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250715 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low Risk | 20250721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.4 |
| xxxxxx | 846043 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250627 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 846048 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250728 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| xxxxxx | 846050 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250718 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 846052 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250508 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 846055 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250611 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20250626 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.7 |
| xxxxxx | 846058 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250701 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 846063 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250708 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| xxxxxx | 846067 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250707 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 846068 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250719 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 846070 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250721 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 846074 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250712 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -6.45% | xxxxxx | Moderate | 20250718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4 |
| xxxxxx | 846075 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250721 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| xxxxxx | 846076 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250717 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| xxxxxx | 846078 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250726 | 1004 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2.11% | 20250718 | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 846079 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250723 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 846081 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250729 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -8.07% | xxxxxx | Moderate | 20250804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| xxxxxx | 846083 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250730 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate Risk | 20250806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---